Electronic Funds Transfer

You have established at least one account with us which is set up to handle "ELECTRONIC FUNDS TRANSFERS." "Electronic Fund Transfers" and "EFT" mean any transfer of funds, other than one originated by check, draft or similar paper instrument, that is initiated through an electronic terminal, telephone or computer or magnetic tape for the purpose of ordering, instructing or authorizing us to debit or credit your account. The term includes, but is not limited to , point-of-sale transfers, ATM transfers, direct deposits or withdrawals of funds, and transfers initiated by telephone. It includes all transfers resulting from card transactions, including those that do not involve an electronic terminal at the time of the transaction. The term does not include payments made by check, draft or similar paper instrument at a terminal.

"We," "us" and "our" mean the financial institution issuing your card.
"You" and "your" mean the person or persons to whom a card is issued.
"Terminal" means an electronic device, other than a telephone operated by you, through which you may initiate an EFT. The term includes, but is not limited to, point-of-sale terminals and ATMs.
"ATM" means a cash-dispensing or non-cash-dispensing automated teller machine.
"Card" means a BANKWEST OF KANSAS Card, or any other plastic card issued by us which gives you electronic access to your account.

"Personal Identification Number (PIN)" means a numeric code issued to a customer which must be used in conjunction with a qualified card in order to effect an EFT at a terminal.

"Account" means any demand deposit or savings account with us to which you may gain access by means of your card.

BUSINESS DAY-Our business hours at the Main Banks are 9:00 am to 4:00 pm. Monday through Friday. Holidays are not included. Our Motor Bank and drive-thru facilities are open 8:00 am to 5:00 pm. Monday through Friday.  The hours for our Idalia location are 9:00 a.m. thru 4:00 p.m. Monday through Friday. 


Access - An access device (card and/or PIN Number) may be used to:

  • Withdraw cash from checking accounts.
  • Make deposits to checking accounts.
  • Withdraw cash from savings accounts.
  • Make deposits to savings accounts.
  • Transfer funds between checking and savings accounts upon request.
  • Inquire as to the balance of your account.
  • Pay for purchases at places that have agreed to accept your card
  • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request.

*Some of these services may not be available at all terminals.

Preauthorized Transfers - We are equipped to:

  • Accept certain direct deposits to your checking account.
  • Accept certain direct deposits to your savings account.
  • Pay certain recurring bills from your checking account in the amount's and on the days you request.
  • Pay certain recurring bills from your savings account in the amount's and on the days of your request.

Electronic Check Conversions - Electronic check conversion is a process in which your check is used as a source of information-for the check number, your account number, and the number that identifies your financial institution. The information is then used to make a one-time electronic payment from your account-an electronic fund transfer. The check itself is not the method of payment.

You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to:

  • Pay for purchases
  • Pay bills

Limitations on Frequency of Transfers - There are limits imposed by law on the number of pre-authorized transfers we may process on certain accounts. Up to six transfers per month are permitted from your savings account to another account with us or to a third party if by pre-authorized, automatic or telephone agreement. Up to six transfers a month are permitted from a Money Market Deposit Account to another account with us or to a third party if by pre-authorized, automatic or telephone agreement (three of the six transfers may be by check).

  • There is no limit on the frequency of cash withdrawals from our terminals.

Limitations on Dollar Amounts of Transfers -

  • You may withdraw up to $310.00 per 24-hour period (defined as 2:00 pm to 2:00 pm CT).


Service charges are deducted from your account monthly, on your statement cycle date. Service charges include charges for EFT's. All our service charges, including service charges for EFT's are listed on one or more separate documents applicable to your account or accounts. You are given these documents when you open your account and they are available upon request from any of our offices.

"NOTICE REGARDING ATM FEES BY OTHERS: If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network."


Terminal Transfers - You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines.

Direct Deposits - If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the telephone number listed in this brochure to find out whether or not the deposit has been made.

Periodic Statements - You will get a monthly account statement from us unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.


Right to Stop Payment and Procedure for Doing So- If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Notice of Varying Amounts - If these regular payments vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

Liability for Failure to Stop Payment of Preauthorized Transfer - If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Your Responsibilities and Our Rights - The use of a card presents opportunities for fraudulent transactions and for loss both to you and to us. An EFT withdrawal is different from a withdrawal made by means of a paper check. We have the opportunity to examine the paper check and to refuse payment if it is irregular. An EFT withdrawal, on the other hand, occurs without any exercise of discretion on our part; if funds are available in your account, our computer debits the account automatically and instantaneously.

You must use caution to protect both your card and your personal identification number (PIN) from unauthorized use which might result in loss to you or to us.

It is in your best interest and ours that we know your current mailing address so that you can promptly receive your statements and examine them to detect improper EFTs.

We reserve the right to temporarily or permanently revoke your right to use the card, and to close your account by sending you a check for the balance if:

  • We have evidence proving your failure to safeguard your card or your PIN; or
  • You overdraw your account using the card; or
  • You fail to notify us of a change of your address.


Liability for Failure to Make Transfers - If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

  1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
  2. If the transfer would go over the credit limit on your over-draft line.
  3. If the automated teller machine where you are making the transfer does not have enough cash.
  4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.

There may be other exceptions in our agreement with you.


Tell us AT ONCE if you believe your card and/or PIN Number has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days, you can lose no more than $50 if someone used your card without your permission.

If you do not tell us within four business days after you learn of the loss or theft of your card and/or PIN Number, and we can prove we could have stopped someone from using your card and/or PIN Number without your permission if you had told us, you can lose as much as $500.00

Also, if your statement shows transfers that you did not make, tell us AT ONCE. If you do not tells us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.

If you believe that someone has transferred or may transfer money from your account without your permission, call or write us and ask for our bookkeeping department.


In case of errors or questions about your electronic transfers, call or write us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number.
  2. Describe the error on the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days (20 business days if the error involves an electronic fund transfer to or from an account within 30 days after the first deposit to the account was made) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point of sale transaction, a foreign initiated transfer, or if the transfer occurred 30 days after the first deposit to the account was made) to investigate your complaint or question. If we decide to do this we will re-credit your account within 10 business days (20 business days if the error involves an electronic fund transfer to or from an account within 30 days after the first deposit to the account was made) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not re-credit your account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used.

DEPOSITS - Any items, other than cash, accepted for deposit (including items drawn "on us") will be given provisional credit only until collection is final (and actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars). Unless otherwise disclosed, interest on non-consumer accounts will be paid only on collected funds, subject to minimum balance or other limitations, if any. We are not responsible for transactions initiated by mail or outside depository until we actually record them.

All transactions received after our "daily cut-off time" on a business day we are open, or received on a day in which we are not open for business, will be treated and recorded as if initiated on the next following business day that we are open.

WITHDRAWALS - Unless otherwise clearly indicated on the account records, any one of you who signs this form including authorized signers, may withdraw or transfer all or any part of the account balance at any time on forms approved by us. Each of you (until we receive written notice to the contrary) authorizes each other person signing this form to endorse any item payable to you or your order for deposit to this account or any other transaction with us. We may charge against your account a check, even though payment was made before the date of the check, unless you have given us written notice of the postdating. The fact that we may honor withdrawal requests which overdraw the finally collected account balance does not obligate us to do so, unless required by law. Withdrawals are paid in ascending number order. Those items without a number are paid first, followed by numbered items. Withdrawals will first be made from collected funds, and we may, unless prohibited by law or our written policy, refuse any withdrawal request against uncollected funds, even if our general practice is to the contrary. We reserve the right to refuse any withdrawal or transfer request which is attempted by any method not specifically permitted, which is for an amount less than any minimum withdrawal requirement, or which exceeds any frequency limitation. Even if we honor a nonconforming request, repeated abuse of the stated limitations (if any) may eventually force us to close this account. We will use the date a transaction is completed by us (as opposed to the day you initiate it) to apply the frequency limitations. On interest-bearing accounts other than time deposits, we reserve the right to require at least seven days' written notice before any withdrawal or transfer. Withdrawals from a time deposit prior to maturity or prior to the expiration of any notice period may be restricted and may be subject to penalty. See your notice of penalties for early withdrawal.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. Individual Account - is owned by one person. Joint Account - With Survivorship (And Not As Tenants in Common)- is owned by two or more persons. Each of you intend that upon your death the balance in the account (subject to any previous pledge to which we have consented) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account - No Survivorship (As Tenants in Common) - is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the "number of signatures" necessary for withdrawal. Revocable Trust or Pay-On-Death Account - If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries acquire the right to withdraw only if: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either of these account types reserves the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the