Best Banks & Checking Accounts in Des Moines, Iowa - April 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, 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, West BankWest Bank809 6th Ave, Des Moines, IA 50309A+5.0 ★Texas Ratio: 0.10% Reward Me Checking at 1.31% APY, and Earlham Savings BankEarlham Savings Bank3401 Sw 9th St, Des Moines, IA 50315A+5.0 ★Texas Ratio: 3.45% High Yield Checking at 1.00% APY. Checking account rates as of April 6, 2026 according to verified data from MonitorBankRates.
Des Moines has 11 local institutions in our database, with checking rates as high as 5.15% APY from Twin Cedars Bank at 2222 Grand Avenue, Des Moines, IA, 50312. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Des Moines, Iowa. Checking Account Rates Last Updated and Verified: April 6, 2026
Compare Checking Account Rates Today in Des Moines, Iowa & the Surrounding Area
Des Moines, IA 50312
Qualifications Required; Qualifying balance up to $50,000.00
Des Moines, IA 50317 2406
Qualifications Required; Qualifying balance up to $20,000
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
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 50309
Qualifying balance up to $5,000.00
Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50309 2010
No additional details provided.
Des Moines, IA 50321
No additional details provided.
Des Moines, IA 50321
No additional details provided.
Des Moines, IA 50317 2406
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 50312
Qualifications Required; Qualifying balance up to $50,000.00
Des Moines, IA 50317 2406
Qualifications Required; Qualifying balance up to $20,000
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
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 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.
Qualifications Required; Daily balances up to $4,000.00
No additional details provided.
Qualifications Required; up to $15,000
Blackhawk Bank & Trust; Qualifying balance up to $30,000.00
Qualifying balance up to $30,000.00
Des Moines, IA 50312
Qualifications Required; Qualifying balance up to $50,000.00
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
Qualifying balance up to $15,000.00
Qualifications Required: Qualifications apply; earn 3.50% cash back on debit card purchases - up to $8.75 per month
Qualifications Required: Qualifications apply; cash back on debit card purchases - up to $8.75 per month
Qualifying balance up to $20,000
Qualifications Required; Qualifying balance up to $20,000.00
Qualifications Required: Monthly Direct Deposit/ACH credit/ACH debit; access online/mobile banking at least one time per month; at least 12 debit card purchases; Qualifying balance up to $300.00
Qualifications Required; Qualifying balance up to $20,000.00
Qualifying balance up to $15,000.00
No additional details provided.
No additional details provided.
Des Moines, IA 50309
No additional details provided.
Des Moines, IA 50317 2406
No additional details provided.
Qualifications Required: Monthly Direct Deposit/ACH credit/ACH debit; access online/mobile banking at least one time per month; at least 12 debit card purchases; Qualifying balance up to $300.00
No additional details provided.
When your qualifications are not met, nationwide ATM withdrawal fees are not reimbursed
No additional details provided.
No additional details provided.
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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 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 50317 2406
No additional details provided.
Des Moines, IA 50309
No additional details provided.
No additional details provided.
No additional details provided.
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
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Des Moines, IA Checking Rate Trends
Compare local Des Moines, IA checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa high-yield checking rates fell 1.697 points over the past 7 days to 1.270% APY.
Iowa free checking rates fell 0.017 points over the past 7 days to 1.138% APY.
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 - Affinity Credit Union
eGreen Rewards Checking — 3.04% APY - West Bank
Reward Me Checking — 1.31% APY - Earlham Savings Bank
High Yield Checking — 1.00% APY
