Best Banks & Checking Accounts in Des Moines, Iowa - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Des Moines, Iowa include Twin Cedars BankTwin Cedars Bank2222 Grand Avenue, Des Moines, IA 50312A+5.0 ★Texas Ratio: 1.84% Cedar Peak Rewards Checking at 5.15% APY, Greater Iowa Credit UnionGreater Iowa Credit Union600 E 30th St, Des Moines, IA 50317 2406A5.0 ★Texas Ratio: 8.63% Greater CheckingTM at 5.00% APY, Collins Community Credit UnionCollins Community Credit Union601 E Court Ave, Des Moines, IA 50309B-4.3 ★Texas Ratio: 23.97% Advantage Checking at 4.85% APY, Two Rivers Bank & TrustTwo Rivers Bank & Trust3025 Ingersoll Ave, Des Moines, IA 50312A+5.0 ★Texas Ratio: 4.80% Premier Rewards Checking at 3.04% APY, and Affinity Credit UnionAffinity Credit Union475 NW Hoffman Ln, Des Moines, IA 50313 2261A+5.0 ★Texas Ratio: 4.17% eGreen Rewards Checking at 3.04% APY.
Looking for the best checking accounts in Des Moines, Iowa? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of Des Moines, Iowa, featuring both local banks and credit unions near you.
Checking account rates reflect recent market quotes and representative offers available to depositors in Des Moines, Iowa. Checking Account Rates Last Updated and Verified: March 21, 2026
Des Moines, IA Checking Rate Trends
Compare local Des Moines, IA checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa high-yield checking rates rose 0.717 points this week to 0.767% APY, up from 0.050% last week.
Iowa rewards checking rates rose 1.610 points this week to 3.054% APY, up from 1.444% last week.
Compare Checking Account Rates Today in Des Moines, Iowa & the Surrounding Area
Des Moines, IA 50312
Qualifications Required: Make 10 debit card purchases that post and clear; Receive $1,000 or more in direct deposits; Maintain an average balance of $500; Enroll in free e-statements; Qualifying balance up to $50,000.00; $500 daily average account balance (or $10 plus tax maintenance fee).
Des Moines, IA 50317 2406
Qualifications Required; Qualifying balance up to $20,000
Des Moines, IA 50309
Qualifying balance up to $25,000.00
Des Moines, IA 50309
Qualifying balance up to $25,000.00
Des Moines, IA 50312
Qualifying balance up to $25,000.00
Des Moines, IA 50313 2261
Qualifying balance up to $24,999.99
Des Moines, IA 50309
Qualifications Required: Have a balance of at least $1,500 each day; Use your debit card at least 15 times for point of sale ("POS") transactions; Use your debit card for POS transactions totaling at least $300; Qualifying balance up to $29,999.99
Des Moines, IA 50315
$10.00 maintenance fee + $0.25 per debit fee, if the account balance falls below $1500.00 any day of the statement cycle.
Des Moines, IA 50315
$10.00 maintenance fee, if the average daily balance for the statement cycle falls below $1500.00.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50315
$5.00 maintenance fee + $0.25 per debit fee, if the balance falls below $500.00 any day of the statement cycle.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50312
Qualifications Required: Make 10 debit card purchases that post and clear; Receive $1,000 or more in direct deposits; Maintain an average balance of $500; Enroll in free e-statements; Qualifying balance up to $50,000.00; $500 daily average account balance (or $10 plus tax maintenance fee).
Des Moines, IA 50317 2406
Qualifications Required; Qualifying balance up to $20,000
Des Moines, IA 50309
Qualifying balance up to $25,000.00
Des Moines, IA 50309
Qualifying balance up to $25,000.00
Des Moines, IA 50313 2261
Qualifying balance up to $24,999.99
Des Moines, IA 50312
Qualifying balance up to $25,000.00
Des Moines, IA 50309
Qualifications Required: Have a balance of at least $1,500 each day; Use your debit card at least 15 times for point of sale ("POS") transactions; Use your debit card for POS transactions totaling at least $300; Qualifying balance up to $29,999.99
Des Moines, IA 50315
$10.00 maintenance fee + $0.25 per debit fee, if the account balance falls below $1500.00 any day of the statement cycle.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50315
$5.00 maintenance fee + $0.25 per debit fee, if the balance falls below $500.00 any day of the statement cycle.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Arlington, IA 50606
Qualifications Required: at least 15 debit card transactions post and settle; at least one direct deposit or automatic withdrawal; Receive e-Statements; Qualifying balance up to $4,000.00
Decorah, IA 52101 2412
Qualifications Required: ACH direct deposit(s) of $500 or more to your checking account; enrollment in eStatements; a minimum of fifteen (15) purchases using your debit card; Qualifying balance up to $777
Des Moines, IA 50312
Qualifications Required: Make 10 debit card purchases that post and clear; Receive $1,000 or more in direct deposits; Maintain an average balance of $500; Enroll in free e-statements; Qualifying balance up to $50,000.00; $500 daily average account balance (or $10 plus tax maintenance fee).
Des Moines, IA 50313 2261
Qualifying balance up to $24,999.99
Des Moines, IA 50312
Qualifying balance up to $25,000.00
Des Moines, IA 50309
Qualifications Required: Have a balance of at least $1,500 each day; Use your debit card at least 15 times for point of sale ("POS") transactions; Use your debit card for POS transactions totaling at least $300; Qualifying balance up to $29,999.99
Des Moines, IA 50309
No additional details provided.
Creston, IA 50801
Qualifying balance up to $15,000.00
Marion, IA 52302
Qualifying balance up to $20,000.00
Pleasantville, IA 50225
Qualifying balance up to $20,000
Corning, IA 50841
Qualifications Required: Qualifications apply; earn 3.50% cash back on debit card purchases - up to $8.75 per month
Ledyard, IA 50556
Qualifying balance up to $10,000.00
Waterloo, IA 50701
No additional details provided.
New London, IA 52645
Cash back on up to a total of $300.00 in debit card purchases. A maximum of $9.00 cash back payments may be earned per monthly Statement Cycle.
Denver, IA 50622
Qualifications Required; Qualifying balance up to $20,000.00
Clarinda, IA 51632
Qualifying balance up to $15,000.00
Waterloo, IA 50701
No additional details provided.
Clive, IA 50325 8616
No additional details provided.
Clive, IA 50325 8616
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50309
No additional details provided.
New London, IA 52645
Cash back on up to a total of $300.00 in debit card purchases. A maximum of $9.00 cash back payments may be earned per monthly Statement Cycle.
Postville, IA 52162
No additional details provided.
New London, IA 52645
When your qualifications are not met, nationwide ATM withdrawal fees are not reimbursed
Marshalltown, IA 50158
No additional details provided.
Muscatine, IA 52761
No additional details provided.
Ottumwa, IA 52501
No additional details provided.
Council Bluffs, IA 51503 1513
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50315
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
KEOKUK, IA 52632
No additional details provided.
KEOKUK, IA 52632
No additional details provided.
Bremer, IA 50677
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
Boone, IA 50036
No additional details provided.
Sioux City, IA 51105
No additional details provided.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Des Moines, Iowa directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Des Moines, Iowa. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in IA.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Des Moines, Iowa earn interest?
Are banks in Des Moines, Iowa FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Des Moines, Iowa
- Twin Cedars Bank
Cedar Peak Rewards Checking — 5.15% APY - Greater Iowa Credit Union
Greater CheckingTM — 5.00% APY - Collins Community Credit Union
Advantage Checking — 4.85% APY - Two Rivers Bank & Trust
Premier Rewards Checking — 3.04% APY - Affinity Credit Union
eGreen Rewards Checking — 3.04% APY
