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Opt-in required. Account needs to have First eligible direct deposits, has to be in good standing and also have an activated chip-enabled debit card to decide-in. Ongoing qualified immediate deposits and also other criteria use to keep up eligibility for overdraft safety. Only debit card buy transactions are qualified for overdraft security and overdrafts are paid out at our discretion. We reserve the right to not pay overdrafts. By way of example, we may well not pay out overdrafts if the account is just not in good standing, or just isn't acquiring ongoing eligible direct deposits, or has a lot of overdrafts.