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Important Information

for Checking Account Holders

**ACTION REQUIRED**

Due to recent changes in banking legislation, we are required to obtain your approval before we can consider payment of your ATM withdrawals and everyday debit card purchases that may create an overdraft in your checking account. Your prompt action is required, otherwise overdraft services for your checking account will no longer be the same starting on August 15, 2010.

A one-time purchase occurs when you use your debit card at the grocery store, restaurant, doctor’s office, dry cleaners, pharmacy, gas station, or any other one-time debit card transaction or ATM withdrawal. The bank requires customers to opt-in before the bank can authorize payment of overdrafts for such transactions. By opting-in, it may help save you the embarrassment or inconvenience of having your debit card purchase declined when you do not have sufficient funds in your account.
OPT-IN AUTHORIZATION

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 off at one of our seven locations or mail it to:

      The Mission Bank
      5201 Johnson Drive
      Mission, KS 66205
      Attn: Customer Service

      Click Here to Print Form

      OPTION 3 – Print & complete the form and fax it to us at (913) 831-1230.

      OPTION 4 - Contact Customer Service at (913) 831-2400.

    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.

    Please remember that your prompt action is required in order to ensure that your current service level is not disrupted starting on August 15, 2010.

    If you do not opt-in, ATM withdrawals or one-time debit card transactions will be declined when you do not have enough money in your account.

    Click Here to View Frequently Asked Questions (FAQ) about Opt In
Disclosure: An overdraft occurs when you do not have sufficient funds in your account and we pay it anyway. As a part of our standard practices, we do make discretionary decisions to authorize and pay overdrafts for checks and other transactions using your checking account. 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 payment, your transaction will be declined. If an overdraft is paid, an overdraft (OD) fee of $25.00 per transaction will be charged at a maximum of five overdraft fees per day. No overdraft fees will be charged if the total overdraft balance in your account is less than $10. No action is needed if you do NOT wish to authorize us to pay overdrafts for ATM withdrawals and everyday debit card transactions. If funds are not available at the time of purchase or ATM withdrawal, your transaction will be declined. If you opt-in to payment of overdrafts for ATM and one-time debit card transactions and change your mind, you can revoke your authorization on or after August 15, 2010. The bank requires reasonable notice of two business days to act on any opt-in or opt-out request. You are not required to opt-in to the payment of overdrafts for recurring debit card transactions (such as utility or insurance payments that are set up to pay from your account automatically). Those transactions may continue to be covered as a part of our standard overdraft practices.
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