Is hco3- polar or nonpolar

I was wondering about this as well. Here is what I think and perhaps someone else could agree or disagree?

The base of HCO3 would be the CO3 2- polyatomic ion. This has a trigonal pyramidal shape according to VSEPR theory. Each oxygen will be spaced evenly around the carbon atom and thus the individual dipoles created between each C and O will cancel. No overall dipole would exist and the molecule would be nonpolar. BUT, when we add the H to one of the oxygen atoms, there is a dipole created between the H and O. This dipole would not be cancelled by anything and thus there would be a small dipole on this molecule which leads me to think it is polar.

Any thoughts?