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Decide-in expected. Account have to have initial suitable direct deposits, should be in good standing and possess an activated chip-enabled debit card to opt-in. Ongoing qualified immediate deposits together with other standards apply to keep up eligibility for overdraft protection. Only debit card order transactions are qualified for overdraft security and overdrafts are paid out at our discretion. We reserve the proper not to pay out overdrafts. For example, we might not spend overdrafts if the account is just not in great standing, or is not really getting ongoing qualified immediate deposits, or has too many overdrafts.