We may allow you to overdraw your account at the ATM or when using your Visa® Debit Card, but in order for us to allow ATM and one-time debit card transactions to overdraw your account, we are required to obtain your consent (you must “opt-in”). Upon your consent, we will, at our discretion, pay for ATM and one-time debit card transactions when there are insufficient funds in your account. If you do not “opt-in” then those transactions will be declined. This service is in addition to the authorization and payment of checks, automatic bill payments, and other transactions made using your checking account number. A new feature on our ATMs will now warn you when a requested transaction would overdraw your account, and give you the opportunity to cancel the transaction before incurring an overdraft fee.