Douglas County Bank of Lawrence Kansas

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Overdraft Regulation Changes


Important Information Regarding Overdrafts for ATM and Everyday Debit Card Transaction

A new federal regulation now requires customers to “opt-in” or “opt-out” of receiving overdraft services involving a fee for every day debit card purchases and ATM withdrawals.

Customers may receive a benefit that is designed to help in the rare occasions when there are not sufficient funds in an account to pay a transaction recently completed. In those cases, we advance funds, creating an “overdraft” or a negative balance in the account. The overdraft is then typically repaid with the next deposit. The new regulatory change requires that in order to receive this benefit customers are required to “opt-in” or agree to the terms and conditions of the overdraft service program* for ATM and every day debit card transactions.

IF YOU OPT-IN:
You give us permission to cover and authorize ATM or everyday debit card transactions that cause your account balance to be negative. You will incur our normal $30 overdraft fee.

IF YOU OPT-OUT:
We will no longer be able to provide coverage for ATM and everyday debit card transactions that would cause your account balance to be negative. If there are not sufficient funds in your account the ATM and everyday debit card transaction will be declined.



We offer several ways to provide your response

  1. Call us at 785-865-1000 or toll free at 888-865-7676.
     
  2. Download the form by clicking here. Once complete, mail it to:

    Douglas County Bank
    P.O. Box 429
    Lawrence, KS 66044
     
  3. Visit any of our branch locations to complete the form.



Questions? Check the FAQ section by clicking on the button below to find answers to many common questions about this change.


FAQ's regarding the regulatory change
  Tips to help avoid overdraft fees
Information about Douglas County Bank Overdraft Services


* Overdraft Privilege Service: certain criteria must be met prior to this service being extended. Douglas County Bank will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned Overdraft Privilege Service limit, including $30 per item fee. We reserve the right to demand payment immediately. Eligible transaction types include, without limitation: checks, ACH, ATM, POS, online banking bill payments and transfers, telephone banking transfers.

 

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