➢ Check, ACH, and Teller transactions do not require Opt-In.
➢ Business Accounts do not require Opt-In.
OPTING IN or giving Consent means…
For personal accounts, rather than automatically denying One-time debit card and ATM transactions that would overdraw your account, we will consider them for payment.
➢ ATM transactions that would overdraw your account may be authorized.
➢ Balance inquiries will NOT include the overdraft limit.
➢ Debit card transactions that would overdraw your account may be authorized.
➢ Normal Overdraft/NSF fees apply if the transaction creates an overdraft when it posts to your account.
OPTING OUT means…
➢ ATM transactions that would overdraw your account will NOT be authorized.
➢ Debit card transactions that would overdraw your account will NOT be authorized.