If I have Deposit-to-Deposit Overdraft Protection Transfer and/or a personal line of credit set up as overdraft protection on my personal checking account, do I still need to opt in?


Yes. These overdraft protection services allow automatic transfers of money from another deposit account or a line of credit to cover an overdraft. However, if there is insufficient money available in these accounts to cover an overdraft, ATM or debit card transactions may be declined unless you have opted in.