NOW ACCOUNT
$1,000 or more…No service charge
Variable market interest rate set by Bank and paid monthly.
Less than $1,000
...$6/Month + $.25/Check or debit
Monthly statement and original checks/deposits slips returned to the customer at no charge.

PCB VALUE CHECKING
No minimum balance required
Unlimited check writing
No monthly maintenance fee or per check fee
Minimum $100 to open account
Statements furnished monthly
Original checks/deposit slips safely kept at bank

GOLDEN OAK CLUB
Checking for those 50 years of age or more.
Minimum balance of $1,500 required in checking or savings / or $5,000 in a CD.
No monthly maintenance fee; if balance drops below the minimum required, a $15 service fee will be charged.
Trip and seminar opportunities. Bonus rates on CDs if 18 months or longer. Free personalized wallet checks, free cashier checks, and free traveler's checks. Monthly statement and original checks/deposit slips returned to the customer at no charge.

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SAVINGS
Minimum of $200 to open the account.
Minimum Balance of $200 to earn interest.
Less than $200.......................No interest earned.
Four free debits/withdrawals per month.
Over Four Debits...................$1 per item
Variable interest rate.

MONEY MARKET
Minimum of $1,000 to open the account
Minimum Balance of $1,000 to earn interest.
Less than $1000......................$15 fee per month
Six free withdrawls per month (no more than 3 by check)
Over six withdrawls..................$8 per item
Variable interest rate paid monthly. No interest paid for days below minimum balance.
Monthly statements and checks returned.

KIDS CLUB (Under Age 16)
Minimum of $5 to open the account.
Minimum Balance of $5 to earn interest.
Less than $5………………...........No interest earned.
Four free debits/withdrawals per month.
Over Four Debits………………......$1 per item.
Variable interest rate.

IRA (Individual Retirement Account)
We offer Traditional and Roth IRAs. With these options, you can deposit up to $4,000 per year, per individual. We offer both tax-deferred and Roth IRAs. We offer 12 months fixed rate or 18 months variable interest rate and variable balance IRAs. Ask any of our Consumer Bankers about an IRA to help select what's right for you.

Automatic deposits available. Some restrictions may apply. No fees or set-up charge. Interest paid semi-annually.

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CERTIFICATES OF DEPOSIT
Select the term you want from 3-, 6-, 12-, 18-, 24-, 30-, 36-, 48- and 60-months to earn more interest.

Deposit requirements and rate vary. Penalty for early withdrawal.

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We offer both an ATM Card and a VISA debit card. Both can be used at any automatic teller machine throughout the world that accepts either SHAZAM or the Cirrus networks cards. The VISA debit card has the added benefit of the versatility of a VISA card with the convenience of the transaction coming straight from your checking account. The VISA debit card can be used any place in the world that accepts VISA.


No annual fees or transaction charges!

 

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NEW SERVICE!

Polk County Bank is proud
to be a member of SHAZAM's Privileged Status
Use the
SHAZAM ATM Locater to find the 
surcharge-free ATM locations nearest to you!

 

 

 

 

We offer safe deposit boxes in both Polk City (PC) and Johnston (J). Choose from four safe deposit box sizes:  3x5, 3x10, 5x10, or 10x10
 
Box Sizes Annual Rental Location
3 x 5 $18 Polk City
3 x 10 $30 All
5 x 10 $60 All
10 x 10 $90 Johnston & Urbandale
Please contact us for availability.
Please note all prices listed above are doubled for non-customers.

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INSTANT RESERVE 
Instant Reserve Checking 
Provides instant cash Reserve.........$27 per year 
Of $250 to $5,000 
You can arrange with Polk County Bank for Instant Reserve funds to be placed in reserve for you behind your personal checking account. Instant reserve funds will allow you to meet emergency situations. It puts extra money in your account on your personal credit anytime you choose through the convenience and privacy of your own checking account.
Instant Reserve Checking Works Like This:
The PCB places money into a reserve behind your checking account. To draw on your Instant Reserve Funds you just write one of your personal checks. When any check (or checks) overdraws your account, the PCB automatically transfers funds in multiples of $250 from your Instant Reserve fund to your checking account. Your monthly checking statement contains a separate section showing all Instant Reserve account activity. You may request a change in your maximum credit at any time. 
How to Repay your Instant Reserve Account:
The repayment schedule is simple, convenient and is based on the amount owing at the end of your statement period. Your payment is automatically deducted from your checking account sixteen days from your statement cycle or you may pay any additional amount you wish by check. The monthly payments not only reduce your loan balance, but also rebuild your available credit for future use.
 
Fee Schedule
 
(The following fees may be assessed against your account.)
ATM/Check Card Insurance $5* per card
ATM/Check Card Replacement $10* per card
ATM Withdrawls (Bank ATM/Privileged Status) Free
Account Closing (within 90 days of opening) $25
Account Research $30 per hour
Account Transfer Set-up Fee $3*
Additional Statements $5
Amortization Schedule $10
Cashiers Checks $5 each
   Non-Customer  $8 each
Check Collection  $20*
Checkbook Reconciliation $30 per hour
Coin Counting (Non-customer) $3 or 10% (greater of two)
Deposit Adjustment $3
Deposit Account Printout $1
Deposit Bag (zipper with lock) $25 each
Fax Machine Transmission (1-3 pages) $5
   4 or more pages $10
Foreign Drafts $30
Garnishments $25 each
Hot Carding Fee $15
Instant Reserve (Overdraft Line of Credit) $27* yearly
Image Copies $0.15 each
Levies/Legal Process $25 each
Nonsufficient Funds (NSF) return item $27 each
Notary Services (non-customer) $5
Overdraft Transfer from Internal Account (each transfer done in $100 increments) $5* each
Overdrafts (checking/savings) $27
The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
Photocopies $0.25 each
Photo CheckCard Issuance $10* per card
Photo CheckCard Replacement $10* per card
Return Deposited Items $3* each
Safe Deposit Boxes:
    BOXES AND CONTENTS ARE NOT INSURED
    3x5 $18 per year
    3x10 $30 per year
    5x10 $60 per year
    10x10 $90 per year
    Replacement of lost key $20
    Box Drilling $150
Stop Payments $25*
Telephone Transfers $5*
Traveler's Checks $2 per hundred
Wire Transfers  
    Incoming  $10
    Outgoing $15
    Foreign Incoming $30
    Foreign Outgoing $50
*Subject to state and local taxes if applicable
Additional products/services may be available and the pricing will be assessed on a quote basis. Please contact your banking representative for further information.

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At Polk County Bank we offer a full line of personal loans. Whether it's a car loan you are looking for or a home equity line of credit we can help you out. Call one of our loan officers today to find out what we can do for you!

Call us today in:
Johnston 515.278.6300
Polk City 515.984.6211
Urbandale 515.276.2900

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We have many different types of home loans to fit all of your needs. To contact a loan officer please call Lou or Linette in Johnston at 515.278.6300, Ken in Polk City at 515.984.6211, or Judy in Urbandale at 515.276.2900.

TOP 10 REASONS WHY YOU SHOULD GET A MORTGAGE AT POLK COUNTY BANK
1. Mention this page and receive $250 discount on closing costs
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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