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Senior Checking Account Fees
Truth in Savings

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

Minimum Balance to Avoid Imposition of Fees: None

Transaction Limitations and Fees: None

Account Requirement: You must be 55 years or older to open this account.

Additional Senior Checking Fees:
DirectBanker FeeNONE
Online Image Checks (Via DirectBanker)FREE

Monthly Check Image Fee
Box of Checks (discount on each order)

$5.50
25% discount

CheckCard Issuance Fee
Monthly CheckCard Fee

NONE
NONE

(CheckCard is optional.)

This account receive 5 free non-Bank of Kansas ATM withdrawals 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 November 1, 2008

[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)

$3.75 each

Check rerun fee
$2.00

Check Image Fee (for certain accounts)

$5.50
Collection item fee (incoming/outgoing)
$15.50

Copies: Microfilm & Photo copies

$1.00

Dormant Account Fee (per month)*

$10.00

ExpressLine 24 account info

FREE
ExpressLine 24 transfer
FREE

Faxes
Medallion Signature Guarantee 

$1.00
FREE [$75.00]

Money order fee

$3.00 [$6.00]

Notary

FREE [$5.00]

Overdraft fees:



Paid NSF/OD fee**
$27.50

Returned NSF/OD fee**
$27.50

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

$27.00 / hour ($27.00 min.)
Rejected item fee (60 day bank notice)
$1.00

Research fee (hourly on acct.)

$25.00 / hour ($25.00 min.)

Statement fees:



Duplicate statement fee
$5.50

Monthly mailed periodic statement (Direct Checking)
$5.50

Request statement fee (special cutoff)
$5.50

Reset statement fee
$5.50

Stop payment fee

$27.50

Stop payment fee online

$19.00

Temporary checks

3 for $1.00

Visa Travel Money Card ($250 min. balance)

$12.00 per card

Additional Cards (same account #)
$2.00 each

Reloads (same card - Max. 3 times)
$3.95

Visa Gift Card ($25 min. balance)

$8.00 per card

Wire transfers:



Incoming wire fee
$10.00 each

Outgoing wire fee
(plus International wire fee if applicable)
$14.00 each


OTHER DISCLOSURES


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

** 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.


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

ATM & Visa CheckCard fees
(Card Optional)
All ATM Deposits, Withdrawals and Inquiries are FREE at Bank of Kansas-owned machines.

Non-Bank of Kansas ATM Transactions Only:



ATM Deposits Fee
$1.50

ATM Withdrawal Fee
(A transfer of funds is treated as a withdrawal.)
$1.50

ATM Inquiries

$1.50

Visa CheckCard Issuance Fee (Free Checking only)

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


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

Bank of Kansas' Overdraft Allowance

An overdraft fee of $27.50 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. 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.

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