*Bank of Kansas' Overdraft Allowance Terms & Conditions
Under the Bank of Kansas Overdraft Allowance program, and subject to the limitations in this section, Bank of Kansas may approve and pay overdrafts up to an outstanding limit of $400 for senior checking and free checking and $700 for all other personal checking account types.  You agree that approving overdrafts is a discretionary courtesy, and not a right or an ongoing obligation.

Bank of Kansas extends this courtesy provided your account has been open for more than 30 days and is in good standing, which includes at least making regular deposits consistent with your past practices, the account having a positive available balance at least one day during a statement cycle, your not being in default on any loan or obligation to Bank of Kansas, and the account not
being subject to any legal or administrative order or levy.

ALL applicable insufficient fund/overdraft fees will be charged and included in the $400 for senior checking and free checking and $700 limit for all other personal checking accounts.  Fees may be triggered by overdrafts created by check, in-person withdrawal, ATM withdrawal, POS or other electronic means. The total of the courtesy overdraft (negative) balance, including any and all bank fees and charges, is due and payable on demand.

Credit reporting agencies may be notified if you do not repay balances due. Bank of Kansas may, at its discretion and at any time, discontinue the Overdraft Allowance program, and declare all balances due and payable.
Refer to a current Bank of Kansas Schedule of Fees & Charges for specific fees related to the Overdraft Allowance program and insufficient funds.

Overdraft Allowance fees:
An overdraft fee of $28.00 is charged on each item paid. Plus a daily fee of $3.25 is charged for each day an account is in overdraft status (five free days per statement cycle.). Fees may be triggered by overdrafts created by check, in-person withdrawal, ATM withdrawal, POS or other electronic means if you choose to "Opt in" (according to Reg. E) with an authorization for Bank of Kansas to pay overdrafts on ATM and everyday debit card transactions. Account must be brought to a positive balance once every thirty days or demand will be made for payment of the negative balance including any overdrafts. Whether your overdrafts will be paid is discretionary and Bank of Kansas reserves the right not to pay. For example, Bank of Kansas typically does not pay overdrafts if your account or any loan with us is not in good standing, or you are not making regular deposits, or your account is subject to any legal or administrative order or levy.

Opting in for ATM and everyday CheckCard transactions means Bank of Kansas may authorize those transactions. If you do choose to have such transactions authorized for overdraft payment, you may REVOKE the agreement at any time. Call 1.866 222.4762 during normal business hours for additional information. Joint owners of the account may revoke the agreement.