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Online Direct Checking Account Fees

Minimum Balance to Open the Account: You must deposit $50.00 to open this account.

Transaction Limitations and Fees: A deposited items fee of $0.25 will be charged for each item deposited in excess of 30 during a statement cycle.

A checks posted fee of $1.00 will be charged for each check in excess of 10 during a statement cycle. ATM transactions, automatic transfers and CheckCard transactions out of this account are unlimited.

DirectBanker and a vaild e-mail address are required with this account.

This account will require you to retrieve your periodic statements electronically through DirectBanker.

Additional Direct Checking Fees:
DirectBanker Fee NONE
Online Image Checks (via DirectBanker)FREE
Monthly Check Image Fee $5.50
Periodic Electronic Statement FREE
Monthly Periodic Statements Fee (mailed) $5.50

A monthly VISA CheckCard fee will be charged each statement cycle. (VISA CheckCard subject to credit approval-card is optional but suggested with this account.)

This account receives 5 free non-Bank of Kansas ATM withdrawals and deposits per statement cycle.

For other CheckCard convenience fees, please see your current Bank of Kansas Schedule of Fees & Charges.

Bank of Kansas
SCHEDULE OF FEES AND CHARGES
Effective March 1, 2012

[Non-customer fees in brackets]

Other PERSONAL Services:


Account cautions

$25.00 each
Cashier's checks fee
$4.00 [$8.50]

Chargeback fee (returned deposited items)

$6.00 each

Check rerun fee
$4.00

Check Image Fee (for certain accounts)

$5.50

Closed Account Fee (< 90 days)

$25.00
Collection item fee (incoming/outgoing)
$15.50

Copies: Microfilm & Photo copies

$1.00

Dormant Account Fee (per month)*

$20.00

ExpressLine 24 account info

FREE
ExpressLine 24 transfer
FREE
Faxes
$1.00

Medallion Signature Guarantee (max. $100,000)

$50.00

Money order fee

$3.00 [$6.00]

Notary

FREE [$5.00]

Overdraft fees:


Transaction Posting Order

at Bank's Discretion

Paid NSF/OD fee**
$28.00

Returned NSF/OD fee**
$28.00

Per day fee
(Charged each business day an overdraft exists. Five free days per statement cycle.)
$3.25

OD transfer fee (personal accts. only)
$5.00

Reconciliation fee

$28.00 / hour ($28.00 min.)
Rejected item fee (60 day bank notice)
$1.00

Research fee (hourly on acct.)

$28.00 / hour ($28.00 min.)

Statement fees:



Duplicate statement fee monthly per account
$10.00

Monthly mailed periodic statement (Direct Checking)
$5.50

Request statement fee (special cutoff)
$5.50

Reset statement fee
$5.50

Stop payment fee

$28.00

Stop payment fee online

$19.00

Temporary checks

3 for $1.00

Mastercard Travel Money Card (other fees may apply)

$9.95 per card

Additional Cards (same account # - Limit 1)
$3.00 each

  Min/Max ATM Fee Main. Fee (>12 mon.)
USD $200/$8,500 $3.00 $2.50
Euro $150/$6,000 $1.75 $2.30
GBP $125/$4,500 $1.25 $1.75

Visa Gift Card ($20-$750 balances)

$5.00 per card

Wire transfers: (plus International wire fee if applicable



Incoming wire fee
$11.00 each

Outgoing wire fee
$15.00 each

DIRECT BANKER®
ONLINE BANKING SERVICES:
PERSONAL
Online Banking
FREE
Internet Charges (Bill Payer Monthly Fee)
$3.00 - Limit 6
$0.50 each therafter
Online Image Checks (via DirectBanker)
FREE
External Transfer (retail ACH)
$1.00 each

COMMERCIAL
Refer to your Commercial Services Fees & Charges Disclosure.

VISA CHECKCARD & ATM FEES (card optional)
All ATM deposits, withdrawals and inquiries are FREE at Bank of Kansas-owned machines.

ALLPOINT ATM NETWORK
Bank of Kansas customers may use any of the 35,000 nationwide, fee-free ATMs. Find a fee-free ATM at www.allpointnetwork.com

PERSONAL

Non-Bank of Kansas ATM Transactions Only:



ATM Deposits Fee
$2.00

ATM Withdrawal Fee
(A transfer of funds is treated as a withdrawal.)
$2.00

ATM Inquiries

$2.00

Visa CheckCard Issuance Fee (Free Checking only)

$5.00
Visa CheckCard Replacement Fee
$5.00
Visa CheckCard Fee (monthly-per card)
$1.25


OTHER DISCLOSURES


* Charged if for six months you have made no deposits or withdrawals to the account and have not communicated with us in writing to sufficiently establish interest in the account.

** Insufficient funds and/or overdraft fees may be triggered by overdrafts created by check, in person withdrawal, ATM withdrawal, POS or other electronic means.

*** Ask for locations of lock bag rental provisions.


These fees are effective November 1, 2008. To ensure you have the most current account information and the fees associated with it, we recommend you contact an Bank of Kansas Representative at 1.866.222.4762 or refer to a current Bank of Kansas Truth In Savings and Bank of Kansas Schedule of Fees & Charges.

Member FDIC
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