Common use of Opt-In Clause in Contracts

Opt-In. If you wish to authorize the Credit Union to pay point-of-sale debit card transactions or ATM transactions which will exceed your account balance taking your account into the negative, you must opt-in. If you do not have sufficient funds to cover these types of transactions, and choose not to opt-in, the Credit Union will decline the transactions. You must notify us in writing if you choose to opt-in to these transactions. Also, you must notify us in writing if, at a later date, you choose to opt-out of these transactions.