"Second Chance Checking" from Bank of Kansas City

The Basics

Minimum Opening Deposit
 
$50.00
A $50.00 deposit is required to open this account.
Monthly Maintenance Fee
 
$8.94
This fee cannot be waived.

Debit Cards & Using ATMs

Debit Card $0.00/yr
Non-affiliated ATM Usage Fee
 
$1.00/per use
There is a $1.00 fee each time you use a non-affiliated ATM. You can avoid this fee by using any Transfund Network ATM or ATMs at QuickTrip gas stations.
International ATM Usage Fee
 
$1.00/per use
There is a $1.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3.00% of the total amount withdrawn.

Electronic & Telephone Banking

Online Banking Free
Email Alerts
 
Included with Online Banking
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- Confirmation that bills have been paid;
- An email to let you know there's a secure message for you in Online Banking;
- Priority Online Account notifications (i.e., change of password).
Online Bill Pay Free
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks No
Monthly Paper Statements Yes
Check Images with Statements Included
Online Statements Yes
Online Check Images
 
Yes
Images of canceled checks can be viewed online for 3 months.

Overdrawing the Account

Negative Balance Fee
 
Yes
There is a $5.00 fee for a negative balance after 6 calendar days with less than a $0.00 balance. After that, this fee is assessed each additional day the account has a negative balance.
Returned Item Fee
 
$28.95/per item
The Insufficient Funds Fee is $28.95 per overdraft.
Overdraft Protection
 
Available
This checking account has one option for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $10.00. The transfer fee is charged per transaction;
- Funds are transferred to bring the account balance to $0.00.

Savings and Money Market Accounts

Premier Money Market
 
$10.00/month
'Premier Money Market' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.25% at minimum balance to earn interest;
- 0.25% at minimum balance to avoid fees;
- 0.4% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $2,500.00.
Personal Savings 2.0
 
$4.95/month
'Personal Savings 2.0' requires $25.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10% on all balances.
The account has a monthly service fee of $4.95. This fee can be waived if you:
- Maintain a minimum balance of $100.00;
- Schedule a monthly electronic transfer of at least $5 from your Bank of Oklahoma checking account.

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