Overdraft Fees: Are you "IN" or "OUT?"

Now, you have a choice. Regulations have changed for banks charging overdraft fees to consumer accounts. Find out what "Opting In" or "Opting Out" means for you.

"Opting In" means banks may authorize reasonable debit card transactions that take accounts to negative balances. If that happens, a fee may be charged. Opting In DOES allow important protections. This service allows you to get emergency cash or to make a purchase without the embarrassment of being declined.

"Opting Out" means your bank would not, under any circumstance, be able to authorize an ATM or debit card transaction that takes accounts to negative balances. If an account has insufficient funds, all ATM and debit transactions would be declined. No fee will be charged for a declined transaction.

For a fast, convenient way to Opt In / Opt Out:

  • Download our Reg E Authorization form by clicking the download button below.

  • Print the Reg E Authorization form.

  • Complete, sign, and return the Reg E form to the branch nearest you.

Download Form