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Important Information

Checking Account Customers

**ACTION REQUIRED**

Your prompt action is required by August 15, 2010 to maintain the same level of overdraft service you presently have on your checking account without interruption.

Due to recent federal banking reform, we are required to obtain your consent "Opt-in" before we can consider payment of your ATM withdrawals and everyday debit card purchases that may result in an overdraft in your checking account.

An everyday (one-time) debit card transaction occurs when you use your debit card to purchase goods or services at a grocery store, restaurant, doctor's office, dry cleaners, pharmacy, gas station, or any retail establishment.

Opting-In, may help save you the embarrassment and inconvenience of having your everyday debit card purchases or ATM withdrawal declined when you have insufficient money in your checking account.

If you make the decision not to "Opt-In"---beginning August 15, 2010 all ATM withdrawals and everyday debit card transactions will be declined anytime funds in your checking account are insufficient to cover the transaction amount.

Click Here to View Frequently Asked Questions (FAQ) about Opt In
OPT IN AUTHORIZATION

Make the choice that’s right for you. This convenient option may provide you with financial flexibility at times in which you may not have sufficient funds to cover an unexpected expense.


Select the option below that works best for you.

      OPTION 1 - Call our 24-Hour Automated "Opt In" Hotline at (913) 233-5308

      OPTION 2 - Print the form below and drop it by one of our locations or mail it in to:

      Security Bank of Kansas City
      Attention: Operations Department
      P.O. Box 171297
      Kansas City, KS 66117

      Click Here to Print Form

      OPTION 3 – Contact Customer Service at (913) 281-3165 for more detailed information.

      Disclosure: An overdraft occurs when we pay a transaction on your account even though you do not have enough money to cover the transaction. We may cover your overdrafts in two different ways: 1) using our standard overdraft practices that come with your account, or 2) using an overdraft portection plan that links to another checking or savings account, which may be less expensive than our standard overdraft practices. As a part of our standard overdraft practices, we do authorize and pay overdrafts for checks and other transactions using your checking account number and automatic bill payments. Beginning August 15, 2010, we will not authorize and pay overdrafts for ATM withdrawals and one-time debit card transactions without your consent. Even with your consent, we pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Under our standard overdraft practices, we will charge you a fee of $25.00 each time we pay an overdraft with a maximum fee limit of $125.00 per day.

      No action is needed if you do NOT wish to authorize us to pay overdrafts for ATM withdrawals and everyday debit card transactions. ATM withdrawls and everyday debit card transactions will be declined if your account has insufficient funds.

      If you "opt-in" to this service and then change your mind, you can revoke "opt-out" your authorization anytime on or after August 15, 2010. The bank requires a resonable notice of two (2) business days to process an opt-in or opt-out request.

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