COMMERCIAL CHECKING ACCOUNT
Ideal for businesses with normal or high volume monthly transactions. Our “Earnings Credit Rate” calculated monthly based on the 90-day Treasury Bill rate on the average collected balance in the account is a cost saving benefit. Account activity charges can be reduced or eliminated by applying our earnings credit rate to the average collected balance in a Polk County Bank Commercial Checking Account.

SMALL BUSINESS CHECKING ACCOUNT
Perfect for businesses with limited checking and deposit activity. Our two types of accounts are designed for our business clients who don’t generate a high volume of activity and would prefer to maintain an average balance to avoid fees. Plus as an added benefit, the first 200 transaction items are free.

FREE BUSINESS CHECKING ACCOUNT
Excellent for businesses with limited deposit balances. No monthly maintenance fees are charged.

INTEREST BEARING CHECKING ACCOUNT
Appropriate for qualified clients such as sole proprietorships and non-profit organizations who want to earn interest with no monthly maintenance fees. This business checking account earns interest at our NOW account rate and if the average monthly ledger balance is at least $4,000 no monthly maintenance fees are charged.

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Biz Bank24 - eCorp
Online Business account access

With eCorp you'll have 24-hour access to your money and gain better funds management, cash flow management, and the ability to manage ACH payments including payroll. View accounts, transfer money and ACH files securely all online. Plus, with eCorp you get extended banking hours, giving you the ability to transfer money after normal business hours.
Business Banking login

Biz Bank24 - My Deposit
Remote Deposit

Save time by making your deposits right from your office! Scan checks using a scanner and make secure, dependable, and reliable deposits without going to the bank. Plus, My Deposit extends the deposit deadline to 6pm daily. Find out how My Deposit can save you time.
Call Mike Wood at 515.278.6300 or email mwood@polkcountybank.com.

Biz Bank24 - Bill Pay
Bill Pay for Business

Save time writing checks, avoid trips to the post office, and to the bank. Bill Pay gives you the convenience of paying bills instantly or setting up predetermined time payments. You can even check on reoccurring billing. And just like the personal Bill Pay services we offer, this service is dependable, secure, and reliable. 
Business Bill Pay

Biz Bank24 - Merchant Services
Credit Card Processing

Increases sales by providing additional payment options to your customers. Credit cards are the most frequent method of payment for many businesses. With Merchant Services you can affordably and easily offer credit card payment options to your customers. Plus, you can receive your deposits by the next banking day.

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SMALL BUSINESS LOAN PROGRAM
Funds are available for working capital, purchase of equipment, construction or purchase of commercial real estate, business start-ups or buy-outs and refinancing existing loans.

Our SBA loans offer:
Flexibility in the amount financed
Long-term financing available with up to 25 years amortization
Monthly payments
No points charged

SBA 504 PROGRAM
*Polk County, Bank, as an SBA accredited lender in participation with the Iowa Business Growth Company and the Small Business Administration, can provide financing for businesses with as little as a minimum of 10% injected as capital by the borrowing business.
*Loan proceeds can be used for new construction, purchase of land and/or buildings, household improvements, machinery and equipment.

SBA Low-Documentation Lending Program
As a certified SBA low-doc lender, Polk County Bank can provide guaranteed loans up to $100,000 with SBA approval within two or three days for small businesses and start-up businesses.

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BUSINESS CERTIFICATES OF DEPOSIT
*Our Certificates of Deposit are an excellent choice for businesses to invest funds, and take advantage of our high-yielding interest rates.
*We have Certificates of Deposit with a wide range of maturities from 90 days to 60 months.
*Based on your business investment strategy, you can select any of our following maturities: 90, 120, 180 days, or from 12, 18, 24, 30, 36, 48 to 60 months.
*To increase your business investment yield, a Polk County Certificate of Deposit is a smart choice.

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LINES OF CREDIT
*We offer lines of credit to provide working capital for our business clients when accounts receivable and inventory grow, payroll expands, seasonal operating capital is needed, or short-term equipment purchases need financing. A Polk County Bank line of credit is the financial solution to help you business grow.
*Our lines of credit are structured based on the needs of our clients to help their businesses run smoothly and economically.
*Our business lines of credit offer variable or fixed interest rates, monthly, quarterly, and semi-annual payments, one year renewable terms, accounts receivable and inventory borrowing bases, and low fees and closing costs.

LONG-TERM WORKING CAPITAL
When financing is required for capital, improvements, inventory expansion, leasehold improvements, or interim real estate needs an extended term working capital loan can be the right answer. Our long-term working capital loans offer variable or fixed rate loans, monthly, quarterly, or semi-annual payments. Three to five year terms are available, borrowing base financing is provided, and we have low fees and closing costs.

COMMERCIAL REAL ESTATE LOANS
Polk County Bank offers its business clients a wide variety of interim and permanent financing options available for new building, real estate purchases, or building refinancing. Construction Lines of Credit
To assist the cash flow of your business in the initial acquisition stage or during the construction phase, we offer construction lines of credit prior to the availability of permanent real estate financing.

Our Construction Lines Offer:
Variable Rate Financing
Fixed Rate Financing
Interest Only Amortization
Monthly, Quarterly or Semi-Annual Payments
Low Fees and Closing Costs
Long-Term Permanent Financing

To help provide your business with affordable financing to improve cash flow, we offer long-term permanent financing for your business real estate assets. We offer terms structured to your business financial capacity.

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TOP 10 REASONS WHY YOU SHOULD GET A MORTGAGE AT POLK COUNTY
1. Receive $250 discount on closing costs when you mention this page
2. Automated underwriting which speeds up the approval process
3. Competitive, high quality, low rate mortgage products
4. Highly trained, experienced staff to obtain the very best terms for you
5. Our Bank offers many additional services to loan customers
6. We process and close our own loan applications--No new faces
7. Impaired credit? Ask about our "Expanded Underwriting"
8. "Purchase Money" Second Mortgages and Home Equity Loans
9. "In House" loans - for those who want to keep their money at home
10. "No fee" tax and insurance escrow waiver available (restrictions apply)

We get the job done, and on time!

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