Whether you are saving for Christmas gifts, retirement or other goals, Douglass National Bank offers several attractive banking products to assist you.

• Money Market Account
• Regular Savings Account
• Premium Savings Account
• Christmas Club Account
• Financial Literacy Account- Youth Savings
• Douglass National Bank IRA
• Douglass National Bank Time Deposit (CDs)
• CDARSSM
• Savings Bonds
• Current Rates

Money Market Account
Maintain at least $1,000 in this account each month, and it will earn competitive interest on every dollar in the account at Douglass National Bank.

All it takes is:

• $1,000 to open this account.
• If the balance falls below $1,000 in any day within the monthly cycle, a $10 service fee will be charged.

You receive benefits including:

• Interest compounded daily and credited to the account monthly.
• Three free checks a month in a statement cycle, $10 for each additional check.
• Six free debit transactions within a statement cycle, three of which may be by check or draft.
• No monthly service charge with $1,000 minimum balance.
• Free ATM card.
• Free MasterMoney Debit Card.
• 24-hour telephone access to account information (913-287-3684).
• Free imaged copies of checks and deposits included in monthly statement
• Easy-to-read monthly statement.
• FDIC insured up to $100,000 per depositor.
• Current Rates

Special notes:

• A check fee of $10 will be charged for each check in excess of three during a statement cycle.

Regular Savings Account
At Douglass National Bank, we strive to make your personal banking easy and convenient. We offer a regular savings account to help you meet personal goals like a vacation, college education or other short or long-range plans.

All it takes is:

• A minimum deposit of $100 to open the account.
• A minimum balance any day of the savings cycle.

You receive benefits including:

• Interest calculated on a daily balance method.
• Interest accrues on the business day you deposit noncash items (e.g., checks).
• Interest compounded quarterly and credited to your account.
• Current Rates

Special notes:

• Interest rate and annual percentage yield may vary.
• Monthly maintenance fee of $1 imposed every statement cycle if balance falls below $100 any day of the cycle.
• Transfers to another account or to third parties by preauthorized, automatic or telephone transfer limited to six per quarter. An excess item fee of $2 will be charged for each item in excess of six per quarter.

Premium Savings Account
This account is specifically for those who want to save at a premium rate and have funds readily available.

All it takes is:

• A minimum deposit of $50,000 to open the account
• A minimum balance of $50,000 any day of the cycle

You receive benefits including:

• Interest calculated on a daily balance method.
• Interest accrues on the business day you deposit noncash items (i.e.. - checks).
• Interest compounded quarterly and credited to your account.

Special notes:

• Interest rate and annual percentage yield may vary.
• Monthly maintenance fee of $5 imposed every statement cycle if the balance falls below $50,000 any day of the cycle.
• If the balance falls below $50,000 any day of the cycle, interest rate will convert back to that paid at the regular savings account rate.
• Transfers to another account or to third parties by preauthorized, automatic or telephone transfer limited to six per quarter. An excess item fee of $2.00 will be charged for each item in excess of six per quarter.

Christmas Club Account
No need to rob Peter or borrow from Paul to pay Santa! With Douglass National Bank’s Christmas Club account your worries about funds for Christmas shopping will disappear. Save throughout the year, and you won’t have a humbug of a Christmas. The following are terms and conditions for our Christmas Club Accounts:

All it takes is:

• You choose the type of club for your savings goal and receive a coupon book to make your payments easy.
• Types and total funds saved at the end of the cycle:
  • $5 ($250);
  • $10 ($500);
  • $20 ($1,000); or
  • $50 ($2,500).
• Christmas Club Account cycle: 50 weeks, starting the first week in November.
• Payments can be made by cash, check, savings withdrawal or automatic transfer from your Douglass National Bank checking account.
• Interest paid annually and is the same as the savings account rate.
• The last week to make a deposit is the third week in October.
• You will receive your Christmas Club check the last week in October.
• No withdrawals are allowed, except in a case of emergency (approval by management.)
• If you have more than one withdrawal, the account will be closed, and interest will be forfeited.
• Account numbers assigned to you are permanent; new accounts do not need to be opened each year if you decide to maintain your Christmas Club account.

Financial Literacy Account— Youth Savings
From 0-17 year-olds, young people can watch their money grow, safe and sound at Douglass National Bank. The first $5.00 is deposited by Douglass National Bank.

All it takes is:

• Child or adult attend a financial literacy class.
• No minimum balance to open.
• No minimum monthly balance to maintain.
• Adult, over 21 years old, as a required signer.

You receive benefits including:

• Interest compounded and credited quarterly.
• No monthly or quarterly service charges.
• 24-hour telephone access to account information “DOUG” (913-287-3684).
• Quarterly statements.
• FDIC insured up to $100,000 per depositor.

Douglass National Bank IRA
An Individual Retirement Account (IRA) is one of the simplest ways to see money grow in a solid, conservative way. With an IRA, you will have more than Social Security to rely on for your retirement. Funds can be added to your IRA account at Douglass National Bank at any time.

All it takes is:

• $500 to open.
• You choose the term.
• $3,000 maximum total can deposited annually; $3,500 can be deposited annually if you are 59½ or over

You receive benefits including:

• Competitive interest rate.
• Fixed rate for the entire term.
• FDIC insured up to $100,000 per depositor.
• Current Rates

There is a substantial penalty for early IRA withdrawal.

Douglass National Bank Time Deposit (CDs)
If you have longer-term goals and do not need funds for a while, certificates of deposit (CDs) can earn a better interest rate than regular savings accounts.

All it takes is:

• As little as $500 to open.

You receive benefits including:

• Interest is calculated on a 365-day basis.
• Maturities start at 30 days.
• Rates vary with maturity.
• FDIC insured up to $100,000 per depositor.
• Automatic renewal is available.
• Penalty for early withdrawal varies by maturity.
• Current Rates

There is a substantial penalty for early CD withdrawal.

CDARSSM
Douglass National Bank is one of a select group of banks nationwide that offers a new, innovative service for large deposit investors. Through the Certificate of Deposit Account Registry ServicesSM (CDARSSM), Douglass can now place large deposits into smaller denomination CDs at multiple institutions. Funds greater than $100,000 and up to $20 million are federally insured through this service.

This service provides several benefits for individuals and businesses, among them:

• the safety of FDIC insurance for large deposits (greater than $100,000 and up to $20 million)
• CD interest;
• management convenience-all through a single bank relationship; and
• the security of working with a trusted, local source.
• Current Rates

There is a substantial penalty for early CD withdrawal.

Savings Bonds
Savings bonds can be purchased and redeemed at Douglass National Bank. Bonds are backed by the United States Government and are available in various types. Each type has its own terms and conditions. See one of our tellers if you would like to buy or redeem your bonds.