Personal

Ready Reserve (Overdraft Protection)

Eliminate the needless expense and embarrassment of overdrafts with our Ready Reserve line of credit. Automatic advances are made from your Ready Reserve Line of Credit into your checking account when your account is overdrawn. Pay all or part of your Ready Reserve balance at any time, or let Ready Reserve make automatic payments for you each month. If you are interested in learning more about Ready Reserve, please contact a Marion County Bank Loan Officer. 

Loans subject to underwriting and credit approval.

Home Equity Loans

Fix it! Remodel it! Consolidate it! Trade it! Use the equity in your home for convenient, all-purpose borrowing. Benefits include flexible rates and terms, along with the potential tax deductibility of interest (consult your tax advisor for details). Regardless of the purpose of the loan, Marion County Bank’s home equity loans can give you the borrowing power you require, for the things you need.

Click on Apply Now to complete our online application. 

If you would like to apply in person or via paper application, please contact one of our Home Loan Experts.

Meet Our Home Loan Experts: 

DIANE ROOSE Pella Office NMLS# 508137 Email Diane	DANIELLE BENGE Pella Office NMLS# 2532282 Email Danielle	JOSH NELSON Pella Office NMLS# 2264210 Email Josh	VANESSA SZLACHETKA Knoxville Office NMLS# 410604 Email Vanessa	DIANNE DANNER Knoxville Office NMLS# 1722437 Email Dianne

Home Equity Lines of Credit (HELOC)

Have the flexibility to buy what you need, when you need it! With a HELOC from Marion County Bank your home's equity can work for you when it’s time for:

• Educational expenses
• Debt consolidation
• A new vehicle
• Home improvements

*If you would like to apply in person or via paper application, please contact a Marion County Bank Loan Officer.

Vehicle Loans

Whether you are looking to upgrade your car, pickup, motorcycle, boat, camper, or recreational vehicle, Marion County Bank has the loan for you. Take advantage of our competitive rates and fast turn around times. 

Loans subject to underwriting and credit approval.

*If you would like to apply in person or via paper application, please contact a Marion County Bank Loan Officer.

Personal Loans

If you find yourself needing money for any of the following reasons, we can help. Weekly, bi-weekly, monthly, or bi-monthly payment plans can be customized to fit your lifestyle and budget.

• Wedding Expenses
• Lawn Mowers, ATV’s, & Snowmobiles
• Kitchen Appliances
• Unexpected Emergency

Loans subject to underwriting and credit approval.

*If you would like to apply in person or via paper application, please contact a Marion County Bank Loan Officer.

Student Loans

We work with ISL Education Lending to offer private loans to help you pay for college as well as refinance existing student loans. ISL Education Lending is a nonprofit organization with decades of student loan experience offering lower-priced loans.*

ISL Education Lending offers:

• Loans for college students.
• A loan option for parents and family members who wish to borrow on behalf of a college student.
• Multiple student loan refinance options.

In addition, they offer multiple scholarship opportunities and free college planning tools to help students and families avoid overborrowing and plan smart for life during and after college.

Learn more about ISL Education Lending’s offerings on their website.

Please note:

• All loans offered by ISL Education Lending are subject to credit approval.
• Before applying for a private loan, we encourage you to first complete the FAFSA, or Free Application for Federal Student Aid. You should also work with your college financial aid office to explore and exhaust all sources of student financial aid before seeking a private student loan.

*Marion County Bank is compensated by ISL Education Lending for the referral of student loan customers.

Debit Cards

Convenience and peace of mind are at your fingertips with a Marion County Bank debit card.  Your Marion County Bank Debit Card may look like a credit card, but it’s not. It’s an electronic card that you can use like an ATM card or like a check to make a cash purchases that are electronically deducted from your account.

A Marion County Bank Debit Card allows you to:

• Make purchases at millions of locations that accept VISA®
• Withdraw money free of charge at Marion County Bank's ATM network. 
• Can't make it to an ATM?  Many merchants allow you to get cash back while using your debit card to make purchases.
• Free security protection with "Card Sentry" on every Marion County Bank debit card.
• Have peace of mind with zero liability for confirmed fraudulent purchase activity.
• Support your favorite local school with our Report Card Debit Card Rewards program.  You swipe and we make the donation to your favorite local school.

ATM Cards

Access your account at ATMs with a Marion County Bank ATM card.  Your ATM card allows you to:

• Receive cash, make deposits, request balance information and transfer money between your checking and savings accounts.
• Withdraw money free of charge through Marion County Bank's ATM network. 

Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

• • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience. 
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Learn More

Apply Now

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Digital Wallet

Make checkout fast and easy by using Apple Pay®, Samsung Pay® and Google Wallet®.  By linking your Marion County Bank debit card or credit card to one of these digital payment options, you can make purchases at participating retailers from the convenience of your mobile device.  

To add your Marion County Bank debit card or credit card to your device's Mobile Wallet, simply locate the appropriate app on your phone and follow the instructions for adding the card to the app.

• Apple Pay®
• Samsung Pay®
• Google Wallet®

Card Safety

• Please click here to notify us of all domestic and international travel so we can watch your debit card for fraud.
Important phone numbers
• Lost/stolen Debit Card 641-628-2191
• Lost/stolen grey MCB Visa/American Express Credit Card  1-800-558-3424
• Lost/stolen blue MCB Credit Card 1-800-423-7503
• International Travel Tips
  • Carry multiple forms of payments
  • Purchases with MCB Debit Card will work at Visa® terminals
  • ATM withdrawals with MCB Debit Card will work at Visa® terminals
  • International ATMs require access to checking account, not savings
• Card Limits
  • For your protection, debit cards have daily purchase and ATM withdrawal limits that can be increased, if needed.  To maka a temporary increase, select "Reqeust Temporary Spending Limit Increase" in the Manage Card's section of your Marion County Bank app, or contact our Card Services Department at 641-628-2191 for additional options.

Card Sentry

Protecting you from unauthorized use of your debit card is a top priority at Marion County Bank.  To mitigate fraud, we've partnered with Card Sentry, a risk management program, to monitor each transaction proactively.  Card Sentry will help safeguard your debit card against fraudulent activity.  If suspicious activity is detected on your debit card, you will be contacted by a Marion County Bank employee or a Card Sentry fraud specialist calling on our behalf to verify the transaction in question.  If you initiated the transaction, there will be no action taken.  If you did not initiate the transaction, steps will be taken before more fraudulent transactions can occur.

To ensure that you can be reached promptly if fraudulent activity is suspected, we need to have your current phone numbers and email address.  We encourage you to provide both a primary and secondary phone number to help us avoid any delays in response to fraud alerts.  These may be your home, work or cell phone numbers.  It is also very important to keep this information current.  If your contact information changes, please inform us immediately.

The phone call will come from a live person, never a recording.  The caller will never ask for personal information such as your social security number, debit card number, PIN, etc.  Always use caution when providing your personal and debit card information and contact us immediately if you suspect your debit card has been stolen or compromised.

Many of the fraudulent transactions are done over the internet or internationally.  If you will be traveling in the United States or abroad, please contact Marion County Bank and let us know the dates and locations.  This will help in recognizing which transactions may be legitimate versus fraudulent.

Marion County Bank values the trust you have placed with us, and we hope this new system will be a benefit to you in protecting your debit card from fraud.  If you have any questions or concerns, please call our Card Services Department at 641-628-2191.

The Report Card

With enrollment in The Report Card, your Marion County Bank Debit Card purchases benefit local schools. There's no cost to you to enroll, Marion County Bank makes the donation, and your school gets cash - with no strings attached. It's a great way to make a difference in our schools - together!

The Report Card is as easy as 1 + 2 = 3!

1. Get the Card - All you need is a Marion County Bank checking account and debit card. If you don't have one simply call 641-628-2191 or visit one of our Retail Bankers today!
2. Enroll - Register your card and your school below
3. Earn - Begin making purchases with your Marion County Bank Debit Card and earn money for your school. Check out the donations graph above!

Register for your debit card to support your favorite school here:

Learn more about The Report Card - read Report Card FAQs

Marion County Bank ATM Locations

Pella:

• Pella Office : 800 Main Street
• Pella Windmill Drive Up : 414 Main Street

Knoxville:

• Knoxville Drive Up: 1010 West Pearl Street

Melcher-Dallas:

• Melcher-Dallas Office: 114 Main Street

Overdraft Protection

Marion County Bank understands that an overdraft to your checking account can be caused by any number of reasons.  A mistake that results in an overdraft does not necessarily reflect your financial habits.  That’s why we offer three convenient options to help you avoid unwanted overdrafts:

Ready Reserve

Ready Reserve acts as a line of credit that is activated when a presented check, ACH or debit card transaction would overdraw your account.  Funds (up to a predetermined limit) are automatically transferred into your checking account in $100 increments to cover the shortfall.  Repayment is easy too!  Monthly payments of $25 or 2% of the credit line balance, whichever is greater, will be automatically deducted from your checking account.  You can also pay down the balance of your Ready Reserve at any time you have the funds to do so.  Interest is charged and collected only on your outstanding Ready Reserve line of credit balance.  

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit works in a similar way as the Ready Reserve.  HELOCs are secured by the equity in your home, so the limits can be larger and the interest rate on the line of credit lower.  HELOCs also provide you with additional repayment options.  Click here for a HELOC application, complete it and return it to one of our Consumer Loan Officers for their prompt review.

Savings AutoTransfer

A Savings Auto Transfer is an automated transfer of funds from your savings or other transation account to cover a pending overdraft in your checking account.  With a small transfer fee of $3.00, you’ll save yourself the cost of an overdraft.  Visit with one of our Customer Service Representatives for details.

Safe Deposit Box

Valuable possessions and important documents are safe when you store them in a Marion County Bank safe deposit box.  We have boxes available in a variety of sizes and prices at our Pella and Knoxville offices.

Contents of safe deposit box are not FDIC insured.

TeleBank

Marion County Bank's Telebank - 800-808-8036

Marion County Bank's Telebank is an automated phone system that you can call any time.  Telebank can assist with balance and tranfer information of your bank accounts.  For those who want more details and capabilities, we suggest you look into our free Digital Banking options.  No matter what your technology preference, we've got you covered!

Reorder Checks

Even in this digital age, paper checks are still needed.  Many of Marion County Bank's personal bank accounts offer free checks, some accounts give this benefit for life!  

To order or reorder checks:

• Online: CLICK HERE to order checks online through our preferred check provider, Deluxe.
• Phone: Call our Customer Service Department for assistance.
• In Person: Stop by Marion County Bank to order your checks in person.

Please note that the Deluxe website is not compatible with all internet browsers, specifically IE9.

Check costs vary by the type of checks you select, quantity and bank account type.

Direct Deposit

This convenient service allows you to receive funds directly into your checking or savings account by way of electronic deposit. Direct deposit is commonly used for depositing payroll checks, social security checks or tax refunds into a designated account.

Wire Transfers

A wire transfer is one of the fastest ways to send or receive money.  Domestic and international wire transfer services are available for outgoing and incoming wires for Marion County Bank customers.  Contact a Customer Service Representative for information regarding pricing.  Click here for a pdf of instructions for sending and receiving wires.

Visa® Gift Cards

Visa® Gift Cards are the perfect gift!  Available in amounts from $10-$500, gift cards are a safer alternative to carrying cash and are good anywhere Visa® debit cards are accepted; in store and online.  Stop in to learn about pricing.

Visa® Gift Cards are not a product of Marion County Bank and are not FDIC insured.

Notary Public

Marion County Bank offers free notary public services to our clients. 

Protect Your identity

Safeguard your personal and financial information so that it doesn't fall into the wrong hands.

Identity Theft Protection Service

Marion County Bank has partnered with Deluxe to offer Provent Identity Theft Protection to help protect and restore your identity.  Provent offers customizable services so you can choose the right protection to balance your budget and risk tolerance from month to month.  They also have services available to assist you in restoring your identity after identity theft occurs, whether you had prior identity protection or not.

Learn more about Provent ID Theft Protection

Identity Protection Tips

• Carry only necessary information with you.  Leave your Social Security card and unused credit cards in a safe and secure location.
• Do not provide your Social Security number unless absolutely necessary.
• Make photocopies of vital information you carry regularly and store them in a secure place, such as a safe deposit box.  Then, if your purse or wallet is lost or stolen, you have contact information and account numbers readily available.
• If you are uncomfortable with a phone call that was not initiated by you, hang up or ask for the purpose of the call.  Then contact the company using legitimate sources such as contact phone numbers found on the company's website, your bank statements, and those listed on your ATM, debit or credit card.
• Never provide payment information on a call that you did not initiate.
• Replace paper invoices, statements and checks with electronic versions, if offered by your employer, bank, utility provider or merchant.
• Shred documents containing personal or financial information before discarding.  Many fraud and identity theft incidents happen as a result of mail and garbage theft.
• Review your credit report at least once a year to look for suspicious or unknown transactions.  You can get a free credit report once a year from each of the three major credit bureaus at www.annualcreditreport.com.
• Subscribe to a daily credit monitoring service, such as Marion County Bank's provider, Provent Identity Theft Protection. 

Internet & Mobile Banking

Access your account information from the convenience of your computer, tablet or smart phone - anytime and anywhere.  Internet Banking and our Mobile Banking app are free* services from Marion County Bank and can be used to:

• View account information, eStatements and check images
• Transfer funds between Marion County Bank accounts
• Pay bills quickly and securely through our free bill pay service
• Customize email alerts
• Download your financial records into Quickenor other money management software

Sign up for FREE Digital Banking 

• Input your account number and personal information to start the sign up process.
• Your Username must contain a minimum of 6 alpha numeric characters and cannot include special characters.
• Your Password must contain a minimum of 8 alpha numeric characters with at least 1 uppercase and 1 lower case letter, at least 1 number and at least 1 special character (i.e. *, #, ?, etc.).
• CLICK HERE to sign up and start using all the features of Internet Banking!

 *Mobile Banking is a free service from Marion County Bank.  Consult your mobile carrier for any fees or charges that may apply.

To download our mobile app, visit your mobile device's app store and search for Marion County Bank. The same username and password is used for both all Digital Banking channels - Internet Banking and our Mobile App.

Mobile Deposit

Mobile Deposit allows you to electronically deposit checks from your mobile device using our mobile banking app.

How do I sign up for Mobile Deposit?

• Download our free Marion County Bank mobile app to your mobile device &
  • Create an account or use your Internet Banking account to log in
• Sign up for eStatements
  • Click here for eStatement information and sign up form
• Ensure your account has been open for more than 30 days
• Ensure your account is in good standing without overdrafts or other account issues in the last 90 days

Once you meet the above criteria, please complete the Mobile Deposit Request Form below or contact a Retail Banker to request Mobile Deposit be added to your mobile app.

How do I make my first Mobile Deposit?

Making your first mobile check deposit is fast and easy:  Log in to the Marion County Bank mobile app using your username and password.  Choose “Deposit Checks” from the menu.  Complete the step by step instructions of entering the check amount and taking a picture of the front and back of your check and submitting for deposit.  Be sure to endorse your check “For Mobile Deposit” along with your signature. 

That’s it!  You’ve sent your deposit through a secure connection to Marion County Bank.  You can review your Mobile Deposit and see the images you’ve submitted under the “History” tab.

How much does it cost to use Mobile Deposit?

There is no charge for you to utilize mobile deposit through the Marion County Bank app..

Click here to read more FAQs on Mobile Deposit

Bill Pay

Greater simplicity, easier navigation, more control and FREE to use, enjoy these great features of Bill Pay:

• • Schedule payment by due dates.  Bill Pay allows you to enter the date you would like the biller to receive your payment and takes care of getting it there on time.
  • Keep your money with you.  Your money will remain in your bank account until the day your electronic payment is due, which is the date you choose.  If the bill pay is sent via check, your money will remain in your account until it is cashed.
  • Pay from multiple accounts.  You get to choose which checking account to pay your bills from, making managing multiple accounts even easier.
  • Pay multiple bills at once.  You can pay multiple bills from the same account quickly using these step-by-step instructions.
  • Make recurring payments.  Eliminate the hassle of paying your monthly bills by setting up recurring payments.  This is a great option for payments that don't change from month to month, such as your car payment or mortgage.
  • See it all at a glance.  The Move Money section lets you make payments and view pending payments, recent payments and bill reminders all on the same screen.
  • Rush delivery available.  Please note that additional fees apply with your consent.

  To sign up for our free Bill Pay service:
  Current digital banking users can sign up for Bill Pay through their digital banking account.  Simply click “Move Money” from the menu bar, select “Enroll Now” and follow the steps.

  To use Bill Pay:

  • Log in to your Marion County Bank digital banking account.
  • Click Move Money from the menu bar.
  • Select New Transaction, choose account to pay from, select payee, insert dollar amount, select payment date, submit...and you're done!

Rush Delivery is available within Bill Pay

Did you forget to pay a bill?  Marion County Bank’s Bill Pay service allows Rush Delivery.  When in Bill Pay, the options for rush delivery will appear under the calendar when choosing a delivery date.

Several options may be available for rush delivery:

• Electronic Rush Payment (second business day) - $4.95
• 2-Day Draft Check Rush (second business day) - $14.95
• Next Day Draft Check Rush (next business day) - $19.95

*Please note not all rush delivery options may be available for all vendors.

eStatements

When you sign up for Marion County Bank eStatements you will receive your statement and images in Internet Banking.  This service gives you quicker access to your statements, archived statements for up to two years and it's free to all customers!  Fill out and submit the form below to get started!

eStatements and images are made available through Internet Banking on the first business day of the month.  To view your eStatements, sign in to Internet Banking and select the Documents tab from the menu options. Within the Document Search, you can select the Account and Date Range you'd like, then hit Apply.

eStatement Sign Up Form

To view your eStatements, you must have the ability to receive and view an Adobe Portable Document Format (PDF) file.  Click the PDF below to review the eStatement Terms and Conditions and enter the red code in the form below.

PDF of eStatement Disclosures and Code

View our eStatement FAQs.