What You Need to Know about ATM/Debit Card Overdraft Services

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We have standard overdraft practices that may come with your account.


This notice explains our standard overdraft practice.


What are the standard overdraft practices that may come with my account?


We do authorize and pay overdrafts for customers in good standing that do not have excessive account abuse for the following types of transactions:


  • Checks and other transactions made using your checking account number
  • Automatic bill payments

Effective August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

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 and pay an overdraft, your transaction will be declined.


What fees will I be charged if Community Bank of Raymore pays my overdraft?

Under our standard overdraft practices:


  • We will charge you a fee of $12.00 each time we pay an overdraft for items $0.01 to $10.00 and a per item fee of $29.00 for items over $10.00. (Fee amount is subject to change).
  • There is a daily limit of $225.00 total fees we can charge you for overdrawing your account.

What if I want Community Bank of Raymore to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you may call (816) 322-2100, OR complete and submit the form below online, OR complete and print form and present it at a branch or mail it to: PO Box 200, Raymore, MO 64083.

Opt In Online Form



Opt-In: I want Community Bank of Raymore to authorize and pay overdrafts on my ATM and everyday debit card transactions for all of my accounts specified below:

For accounts specified below:




I/We confirm that the Internet access device(s) I/we will use to receive the related legal disclosures, agreements and online account signature forms; and I/we consent to receiving the related legal disclosures, agreements, online account signature form and the instructions electronically. I/we confirm that I/we have read and understand the information regarding the right to opt in or decline this financial institution's paying ATM or one-time debit card transactions.

I/we understand that I have an ongoing right to change this consent at any time.

Security Code

Please enter the letters and numbers from the image above.

Alternative Ways to Opt In

  • By Phone

    Our Service Representatives are standing by if you prefer to Opt In by phone.

    You can find your specific branch phone number on our locations page.

  • By Mail

    If you prefer to Opt In by mail, please print this form and send it to your branch.

    You can find your specific branch address on our locations page.

  • In Person

    Sometimes it's easier to talk about things in person. Please visit any of our locations and ask a personal banker to help you decide which plan is best for you.