• Your account is overdrawn by $ 5.00 or less on the day on which we would otherwise charge it, or • You have not opted - in to the payment of ATM and
everyday debit card (point of sale)
transactions and the amount overdrawn
only includes amounts from ATM and point of sale
transactions presented and paid against insufficient funds, or • The amount overdrawn
only includes bank fees and / or service charges.
ATM withdrawals and
everyday, non-recurring
debit card transactions (individual
debit card purchases such as at the grocery store or a one - time online purchase), will
only be authorized when we determine you have enough available funds in your eligible account or in your eligible linked Overdraft Protection account at the time of the
transaction.