Douglass National Bank offers you a variety of convenient checking accounts for your daily banking needs.

• Free Checking
• Flat Fee Account
• NOW Account
• Church Club Account
• Financial Literacy Account-Youth Savings
• Royal D Overdraft Protection
• Douglass Shield

Free Checking
Stop paying for your checking account. If you have direct deposit with Douglass National Bank, you can manage your daily financial affairs at no cost, while having easy access to your funds. You get the features you need.

All it takes is:

• $100 to open.
• No minimum balance.

You receive benefits including:

• Unlimited free check writing privileges.
• No monthly service fees.
• Free MasterMoney Debit / ATM Card
• 24-hour telephone access to account information (913-287-3684).
• Access to your account anytime, using your debit card or by visiting one of our convenient bank locations.
• Easy-to-read monthly statement.
• Free imaged copies of checks and deposits included in monthly statement.
• FDIC insured up to $100,000 per depositor.

Flat Fee Account
If you don’t write many checks during the month and don’t want to worry about things like minimum balances, Douglass National Bank offers this streamlined account.

All it takes is:

• Low initial opening deposit of $100.
• No monthly service fees imposed if you maintain a $500 daily balance in the cycle.
• $7.50 monthly fee if the balance falls below $500 any day in the cycle.

You receive benefits including:

• Unlimited check writing.
• Free MasterMoney Debit / ATM Card.
• Free transactions for Douglass National Bank customers at our ATMs. Non-customers will be charged.
• Worldwide access to ATMs.
• Overdraft protection available.
• 24-hour telephone access to account information (913-287-3684).
• Easy-to-read monthly statement.
• Free imaged copies of checks and deposits included in monthly statement.
• FDIC insured up to $100,000 per depositor.

NOW Account
Our NOW personal checking account offers you what you want in a full service checking account with the interest earning power of a money market account. Minimum balance is required.

All it takes is:

• $100 to open this account.
• No monthly service charge with $1,000 minimum balance.
• If the balance falls below $1,000 on any day within the monthly cycle, a $10 service fee will be charged.

You receive benefits including:

• Unlimited check writing.
• Interest is compounded daily and credited to the account monthly (minimum balance of $1,000 must be maintained).
• Free MasterMoney Debit/ ATM Card.
• 24-hour telephone access to account information (913-287-3684).
• Access to your account anytime, using your debit card or by visiting one of our convenient branch locations.
• Easy-to-read monthly statement.
• Free imaged copies of checks and deposits included in monthly statement.
• FDIC insured up to $100,000 per depositor.
• Current Rates.

Church Club Account
Count your blessings and watch them multiply through Douglass National Bank’s Church Club Account. This account is offered to a new account customer who is a member or guest of a church.

With this account, all it takes is:

• $50 to open.
• No minimum balance.
• No monthly maintenance fee.

You receive benefits including:

• Unlimited free check writing privileges.
• No monthly service fees.
• Free MasterMoney Debit / ATM Card.
• 24-hour telephone access to account information (913-287-3684).
• Access to your account anytime, using your debit card or by visiting one of our convenient branch locations.
• Easy-to-read monthly statement.
• Free imaged copies of checks and deposits included in monthly statement.
• FDIC insured up to $100,000 per depositor.

Financial Literacy Account

Youth (0-17) participating in Douglass’ financial literacy classes or youth whose parents participate in the classes are eligible and incentivized to open an account at the bank. Douglass opens their savings account by depositing the first $5.00. Any adult participating in the classes is offered a free personal checking account.

All it takes is:

• Participation by the youth or his/her parent in a Douglass financial literacy class.
• $50.00 for adults to open their free personal checking account.
• Douglass opens the savings account for youth by depositing the first $5.00.

You receive benefits including:

• Very helpful financial literacy classes that teach you how to save, work with the bank, build your credit, etc.
• For adults, free personal checking account with no monthly service charges, no maintenance fees and no minimum balance required.
• For youth, a good start to the practice of savings

Royal D - Overdraft Protection
Douglass National Bank offers a “Credit Reserve Program” with overdraft protection for checks for both businesses and individuals. “Royal D” is set up as an unsecured loan with a 17 percent interest rate (interest accrues on a daily basis). A customer applies by completing an application. The minimum amount of credit reserve is $500; maximum amount, $5,000.

How the program works:

• Customer’s insufficient check or debit is presented against the account.
• A credit is automatically generated in $100 increments to credit the customer’s account to cover the presented item.
• The customer’s check(s) are paid, and no insufficient fees are charged to the customer.
• Checks will be paid up to the available credit limit. For example, if the customer has credit availability of $200, and there are six (6) $50 checks presented for payment, the system will pay four (4) of the $50 checks totaling $200 and return the other two (2), or if two checks are presented for $150 each, the system would pay one of the $150 checks and return the other. If the same credit ($200) is available, and a $300 check is presented, the check for $300 will be returned insufficient.
• 7.5 percent of the unpaid balance or a minimum of $20 is the payment amount due on the first day of every month.

Douglass Shield

Customers with checking accounts in good standing have access to overdraft protection up to the limit automatically assigned to the accounts.

All it takes is:

• You maintaining your account in good standing.

You receive benefits including:

• Overdraft privilege and protection for our customers with checking accounts in good standing.
• Overdrafts honored up to the Douglass Shield limit automatically assigned to your account.

Special notes:

• Customers will be charged an overdraft fee for each check paid under the limit.