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Opt-in necessary. Account have to have initial suitable direct deposits, need to be in superior standing and also have an activated chip-enabled debit card to choose-in. Ongoing suitable direct deposits and various requirements use to take care of eligibility for overdraft security. Only debit card order transactions are eligible for overdraft security and overdrafts are paid at our discretion. We reserve the correct to not shell out overdrafts. As an example, we may not spend overdrafts In the event the account is just not in very good standing, or isn't obtaining ongoing eligible immediate deposits, or has a lot of overdrafts.