Overdraft Elect ™ provides you with the opportunity to manage overdrafts. You have three options:

 

 

Standard Overdraft Elect™. The bank may authorize and pay overdraft items up to your overdraft limit for transactions except everyday debit card and ATM transactions. (You are automatically enrolled in this election)

 

Overdraft Elect All-Out Election. The bank will not authorize and pay overdraft items for all your transactions including everyday debit card and ATM transactions. You must opt-out for this election.

 

Overdraft Elect All-In Election Plan. The bank may authorize and pay overdraft items up to your overdraft limit for all your transactions including everyday debit card and ATM transactions. You must opt-in for this election.