Expand your account with additional services:
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
- Home Equity Line of Credit
- Savings Auto Transfer
Ready Reserve acts as a line of credit that is activated when a check, ACH or debit card transaction is presented for payment that 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. HELOC’s are secured by the equity in your home, so the limits can be larger and the interest rate on the line of credit lower. HELOC’s 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.
A Savings Auto Transfer is an automated transfer of funds from your savings account to cover that pending overdraft in your checking account. With a small transfer fee of $3.00, you’ll save yourself the cost and expense of an overdraft. The Savings Auto Transfer option does not allow or approve debit card transactions if your checking account is or would be overdrawn. 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.
To rent a box:
Phone: Call our customer service department at 641-628-2191
In Person: Visit our Main Bank office to see the different size options and pricing.
Contents of safe deposit box are not FDIC insured.
Marion County Bank's Telebank - 641-628-2192
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 Internet Banking or our Mobile Banking options. No matter what your technology preference, we've got you covered!
Dial the Telebank number from any phone. After a brief introduction you will pe presented with a list of options. Your choices are:
- Account Information
- Funds Transfer
- Bank Information
- More Options
- Account Rates
- Check Reorder
- Report Lost Card
- Stop Payment
*Cancel (Return to Previous Menu)
You may "say" or "press" the appropriate number, as shown above on your telephone keypad. Remember to wait for the beep before speaking. After you have made your selection you will be asked to enter your account number and security code. By voice, say each number after the beep. Your account balance will be played automatically. It's that simple!
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: Contact our customer service department at 641-628-2191
- 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.
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.
A wire transfer is an electronic transfer of money. Domestic and international wire transfer services are available for outgoing and incoming wires for Marion County Bank customers. Contact our customer service department for information regarding costs. 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.
Marion County Bank offers free notary public services to our clients.