Common use of Overdrafts with your card Clause in Contracts

Overdrafts with your card. For personal accounts, unless you have notified us that you DO want us to pay debit card overdrafts at our discretion, we generally won’t authorise an everyday debit card transaction if your available balance isn’t enough to pay that transaction, and we will not charge an Insufficient Funds Fee. For business accounts, if you have notified us NOT to pay overdrafts we generally won’t authorise a debit card transaction if you're available balance isn’t enough to pay that transaction, and we will not charge an Insufficient Funds Fee. When we give authorisation to a merchant for your purchase, your available balance will decrease. But the authorisation will not prevent certain items, such as ACH transactions and checks, from posting to your account, which can leave your account without enough funds. To avoid Insufficient Fund Fees, be sure to keep enough funds in your account to avoid overdrawing your account, including enough funds for previously authorised debit card transactions not yet posted to your account.