Iowa State Bank’s overdraft Ready Reserve can be ready for you!

  • Iowa State Bank’s overdraft protection means that we’ve approved in advance a personal, unsecured loan anytime you need extra money.
  • ReadyReserve is designed to end checking account overdraft complications and charges. ReadyReserve can save you costly returned-check fees or embarrassing delays.
  • Extra money for emergencies or to cover an expense when you may not have the funds immediately available.

Iowa State Bank’s ReadyReserve and your good credit are a combination that’s Ready for You!


  • 18.00% APR (Annual Percentage Rate)
  • 12 month maximum term
  • $20.00 annual fee
  • Minimum payment is 15.00% of loan balance or $25.00 per month, whichever is greater.
  • $15.00 late charge if loan payment is not paid within 10 days of payment due date.

Call us or visit our nearest location for an application or more information.