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Overdraft Regulation Change FAQ's


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Q: What is going to be different because of this regulation?
A: If you choose to opt-in, nothing! Your card will continue to work as it did prior to the regulation with no interruption in service. If you opt-out, we will no longer allow ATM and every day debit card transactions on accounts with insufficient funds and therefore your card will be declined in those situations.
Q: What do I have to do to opt-in or opt-out?
A:There are several options. You may call the bank at 785-865-1000 to opt-in or out over the phone. Forms are also available online by clicking here or at any of our branches.
Q: Why do I have to do this?
A: A new federal regulation (Regulation E) went into effect on August 15th, 2010. The regulation was created so that customers could choose to allow or not allow banks to authorize ATM and every day debit card transactions if the account had insufficient funds and be charged a fee for that service.

The regulation states that we need to receive permission (or as the regulation calls it, “opt-in”) from customers to continue to allow use of this service on an account. If we did not receive your permission by August 15th, 2010 or you chose to opt-out, we no longer allow charges that make an account negative and your card will be declined.
Q: So by opting-out I'll never have a negative balance because my ATM or debit card will be declined?
A: Not necessarily! There are a few ways that your account can be overdrawn even with an opt-out:

  • A preauthorized transaction (i.e. paying at the gas pump, adding a tip at a restaurant, or a hotel reservation “hold”) could cause a negative balance. In these situations the business preauthorizes a transaction amount that might not be the final transaction total. A gas station might preauthorize $1 when you pay at the pump. If you have $2 in your account the transaction will be approved because the preauthorized amount is less than your balance. If you then spend $20 on gas your account will be overdrawn by $18. If you opt-out you will be responsible for the amount of money overdrawn but you will not be charged a fee.
  • An overdraft can also be caused by the timing of actual presentation of the transaction to your account. You may have sufficient funds in your account at the time of the transaction but by the time the transaction is applied to your account there is no longer enough money to cover the transaction causing a negative balance or an overdraft. If you have opted-out you will not be charged a fee for the authorized overdraft.
It is important to keep track of your transactions by keeping accurate records and monitoring and reconciling transactions frequently. Online Banking is a great way to see when transactions are applied to your account. For more information on using Online Banking click here.
Q: Is there some other way I can have these kind of transactions accepted without having an overdraft fee charged?
A: Yes. We encourage our customers to have a savings or money market account at Douglas County Bank. This account can be linked to your checking account so funds can be automatically transferred to your checking account so the item can be paid without causing and overdraft fee. If you have a savings or money market account at a different bank, we are happy to assist you in transferring to Douglas County Bank to take advantage of this service. We also have Protection Connection, an overdraft service line of credit. For more information about these products please contact us or click here.

For a list of Tips on How to Avoid Overdraft Fee's click here.
Q: How does this affect Overdraft Privilege Service?
A: Overdraft Privilege Service will continue to cover checks, recurring online bill payments and ACH payments. By opting-in you will extend the overdraft service to include ATM and every day debit card transactions. Please note: By opting-out for ATM and every day debit card transaction overdraft coverage you are NOT opting-out of Overdraft Privilege Service for checks, recurring online bill payments and ACH payments. If you do not want to receive Overdraft Privilege Service you must complete an additional form. Contact us for more information, or click here for additional details about the Overdraft Privilege Service.
Q: What happens if I didn’t opt-in or opt-out by August 15th?
A: You were automatically opted-out. We must receive your response to reinstate this service.
Q: Can I change my mind?
A: Sure! You can change your decision at any time by contacting the bank and filling out a new form. However, it is important to note that changing your consent does not require the bank to waive or reverse fees that were incurred prior to the opt-out request.
Q: What if I have a combination of different transactions that cause the overdraft? Are you going to charge a fee if I opted-out?
A: The bank may charge an overdraft fee for check, ACH and recurring debit card or online bill pay overdrafts as normal. If one of these types of transactions causes the overdraft we will charge a fee.
Q: I currently have Protection Connection (or Funds Management); does this apply to my account?
A: It shouldn’t. When you use Protection Connection or Automatic Overdraft Transfer an overdraft will not occur. There may be a rare instance that a customer might be at the lending limit for Protection Connection or the Automatic Overdraft Transfer account is low. In these situations, the opt-in or out status is very important because if you have opted-out, that transaction will be declined; but if you opted-in, the transaction can be authorized and processed with an overdraft fee.
Q: What if I have more than one account?
A: You may complete a different form for each account or list all of the accounts on one form. Please make sure to include the full account number so that there is no confusion as to which account you would like to opt-in or out.
Q: Can I have different choices for different accounts?
A: Yes! During this change you will need to opt-in or out on each account that you have attached to an ATM or debit card so you may have different choices for each account.
Q: I have a joint-account. Can one of us opt-in and one opt-out?
A: No. The account can only have one choice even if you have two different ATM or debit cards. It is important to note that we will recognize the option chosen in last communication from the account, determined by the date on the form.
Q: Does the rule apply to all personal accounts, including savings or money markets?
A: Yes. The rule applies to all accounts covered by the new regulation, including savings and money markets to the extent that they may be overdrawn by an ATM withdrawal or every day debit card transaction.
Q: What about Business Accounts? Does this regulation apply?
A: No. Currently this regulation does not apply to business accounts.
Q: Does this affect my checks, recurring online bill payments or ACH payments?
A: No. These items will still be paid by the bank at our discretion. You may be charged a $30 fee per transaction for this service. (For more information, see above question:  How does this affect Overdraft Privilege Service?)
Q: Can I opt-in during a debit card or ATM transaction that is being declined?
A: No. The regulation requires the confirmation of your choice to opt-in must be mailed prior to authorizing transactions. Requests to opt-in made after August 15, 2010 will be processed by the next business day. You may call the bank during regular business hours to opt-in at any time.
Q: Will the bank still pay an overdraft if I haven’t opted-in?
A: In most situations the answer is no. If your every day debit card purchase or ATM withdrawal would make your account negative, your card will be declined. There are a few circumstances when the bank would pay a transaction even if you had insufficient funds. (For more information, see above question: So by opting-out I will never have a negative balance because my ATM or debit card will be declined?
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