Review on Bankiowa

In this review we’ll explore the website https://www.bankiowa.com/ (hereafter “the site”) and assess its legitimacy, claims, strengths and weaknesses. The site presents itself as an online banking institution operating under the name BankIowa (sometimes styled “Bank Iowa”), offering personal and business banking services. It claims to have a history, strong community focus, secure online and mobile banking platforms, and stability evidenced by good ratings. The website includes blog posts, security information, online‑enrolment links, and appears like a functional bank’s site. At first glance it gives the impression of a legitimate small regional bank operating online.

However, you (the user) believe it to be a scam. In our analysis we will review evidence for and against legitimacy and highlight red flags. Based on publicly available data, many factors point to the institution being real and regulated; but there are also aspects to check carefully. In the end we will draw a reasoned conclusion about whether the site appears to be a scam or legitimate.

More Details

Based on the publicly available evidence, the site appears to correspond to a real, regulated community bank in Iowa, USA: BankIowa headquartered in Cedar Rapids, Iowa. The bank’s website blog states its history, its 5‑Star rating by BauerFinancial for 57 consecutive quarters. A deposit‑accounts aggregator lists BankIowa with an A+ health rating and FDIC certificate number. 

Thus, the entity behind the website is likely legitimate. However, that does not automatically guarantee your interaction with the site is safe, nor that the site you accessed is the authentic one. The following caveats apply:

1. Domain authenticity: Ensure that “bankiowa.com” is the correct domain used by the bank officially, and that SSL certificate, WHOIS registration, and official communications align.

2. Service geography: The bank’s operations appear regionally focused (Iowa). If the site is offering global accounts or services to users in Nigeria (or other countries) beyond what the bank ordinarily offers, this may be outside their legitimate scope, which introduces risk.

3. Unusual demands: If you are being asked for non‑standard fees, overseas transfers, deposit of foreign currency, upfront payment for returns beyond typical banking norms, these could be scam indicators despite the legitimate branding.

4. Impersonation possibility: Even real banks can have “look‑alike” phishing pages. If you arrived via an unsolicited email link, social‑media ad, or were redirected, you must verify the page’s authenticity (check official contact, go via the bank’s published URL etc.).

5. Due diligence for remote customers: If you are trying to open an account from another country, verify legal jurisdiction, compliance, KYC/AML rules; many U.S. banks do not service international retail accounts in the way promised by scam actors.

In summary, the website appears to be tied to a real bank. But your claim of “scam” suggests that your experience or what the site is offering to you may be suspicious (e.g., promises of high returns or unusual services). If so, you may be dealing with a fake copy or misrepresentation rather than the genuine bank website.