1) Draw a 3D representation of the ammonium ion.
2) Draw vectors for all the polar bonds.
3) Sum these vectors.
4) The resultant vector is your molecular dipole.
eg. CO2
1) O=C=O
2) <-- -->
3) Vectors cancel out exactly, ie. Sum to 0
4) No resultant vector, non polar.
Try this for NH4+, do you find that the ammonium ion is polar?