ATM and One-Time Debit Card Transactions. We generally do not authorize and pay overdrafts caused by ATM and one-time Debit Card Transactions without your affirmative consent to this coverage. Without your consent to authorize and pay overdrafts caused by ATM and one-time Debit Card Transaction(s), we may not authorize and pay such transactions, resulting in your transaction(s) being declined. If we authorize and pay your ATM or one-time Debit Card Transaction(s), and you have not consented to this coverage, we will not charge you an NSF Fee. If you have consented to coverage for overdrafts caused by ATM and one-time Debit Card Transaction(s) and your Available Balance is not enough to pay the transaction we authorized, then we will pay it and charge you an NSF Fee. You may change your ATM/Debit Card overdraft preferences at any time by contacting our 24-Hour Customer Service Center using the applicable telephone numbers listed in the subsection “How to Contact Us” in the section titled “General Account Information,” or by visiting a branch.
