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Choose-in required. Account need to have First eligible immediate deposits, have to be in excellent standing and possess an activated chip-enabled debit card to choose-in. Ongoing qualified immediate deposits and also other criteria implement to keep up eligibility for overdraft defense. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the appropriate to not pay overdrafts. By way of example, we might not shell out overdrafts In case the account just isn't in superior standing, or is just not receiving ongoing qualified direct deposits, or has too many overdrafts.