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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!
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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.) |
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ATM/Check Card Insurance |
$5* per card |
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ATM/Check Card Replacement |
$10* per card |
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ATM Withdrawls (Bank ATM/Privileged Status) |
Free |
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Account Closing (within 90 days of opening) |
$25 |
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Account Research |
$30 per hour |
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Account Transfer Set-up Fee |
$3* |
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Additional Statements |
$5 |
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Amortization Schedule |
$10 |
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Cashiers Checks |
$5 each |
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Non-Customer |
$8 each |
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Check Collection |
$20* |
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Checkbook Reconciliation |
$30 per hour |
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Coin Counting (Non-customer) |
$3 or 10% (greater of two) |
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Deposit Adjustment |
$3 |
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Deposit Account Printout |
$1 |
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Deposit Bag (zipper with lock) |
$25 each |
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Fax Machine Transmission (1-3 pages) |
$5 |
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4 or more pages |
$10 |
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Foreign Drafts |
$30 |
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Garnishments |
$25 each |
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Hot Carding Fee |
$15 |
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Instant Reserve (Overdraft Line of Credit) |
$27* yearly |
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Image Copies |
$0.15 each |
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Levies/Legal Process |
$25 each |
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Nonsufficient Funds (NSF) return item |
$27 each |
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Notary Services (non-customer) |
$5 |
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Overdraft Transfer from Internal Account (each transfer done in $100 increments) |
$5* each |
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Overdrafts (checking/savings) |
$27 |
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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. |
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Photocopies |
$0.25 each |
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Photo CheckCard Issuance |
$10* per card |
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Photo CheckCard Replacement |
$10* per card |
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Return Deposited Items |
$3* each |
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Safe Deposit Boxes:
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BOXES AND CONTENTS ARE NOT INSURED |
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3x5 |
$18 per year |
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3x10 |
$30 per year |
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5x10 |
$60 per year |
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10x10 |
$90 per year |
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Replacement of lost key |
$20 |
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Box Drilling |
$150 |
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Stop Payments |
$25* |
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Telephone Transfers |
$5* |
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Traveler's Checks |
$2 per hundred |
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Wire Transfers |
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Incoming |
$10 |
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Outgoing |
$15 |
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Foreign Incoming |
$30 |
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Foreign Outgoing |
$50 |
| *Subject
to state and local taxes if
applicable |
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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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