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It details the overdraft fee structure, including $22 per overdraft and extra daily fees for extended overdrawn periods, and explains the opt-in rule for ATM/POS purchases. 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If you do not opt in, the bank will decline ATM withdrawals and debit card POS transactions when funds are insufficient, and the bank cannot charge an overdraft fee if it pays an item despite not opting in.","Answer","https://schema.org",{"og:url":78,"og:type":113,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":115,"canonical":78},"index,follow",{"doc_id":117,"site_id":56},283986,1790340656,{"code":4,"msg":5,"data":120},{"doc_id":117,"user_id":121,"nickname":88,"user_avatar":122,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":123,"file_id":124,"file_url":125,"file_type":126,"file_size":127,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":73,"language":128,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":129,"faqs":130,"seo_title":131,"seo_description":61,"update_tm":132,"read_time":9},2336478951081,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","CONSUMER DEBIT CARD AUTHORIZATION FORM  \nWHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES  \nAn overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:  \n1. We have standard overdraft practices that come with your account.  \n2. We also offer overdraft protection plans , such as a line of credit or savings sweep, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.  \nThis notice explains our standard overdraft practices.  \nWhat are the standard overdraft practices that come with my account?  \nWe do authorize and pay overdrafts for the following types of transactions:  \n􀁸 Checks and other transactions made using your checking account number  \n􀁸 Automatic bill payments  \nWe do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):  \n􀁸 ATM transactions  \n􀁸 Everyday debit card transactions  \nWe pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.  \nWhat fees will be charged if Think Mutual Bank pays my overdraft?  \nUnder our standard overdraft practices:  \n􀁸 We will charge you a fee of $22 each time we pay an overdraft.  \n􀁸 Also, if your account is overdrawn for 5 or more consecutive business days, we will charge an additional $5 per day.  \n􀁸 There is no limit on the total fees we can charge you for overdrawing your account.  \nWhat if I want Think Mutual Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?  \n*If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions contact us:  \n􀁸 In person, complete the form below  \n􀁸 By Phone 1-800-288-3425  \n􀁸 By email [think@thinkbank.com](think@thinkbank.com)  \n*Please allow two business days for this to become effective.  \nWhat if I change my mind and I want to revoke or discontinue having Think Mutual Bank pay overdrafts on my ATM and everyday debit card transactions?  \nIf you want us to revoke or discontinue authorizing and paying overdrafts on ATM and everyday debit card transactions, you may contact us as listed above. Please allow two business days for this change to become effective.  \nYour selection:  \n☐ I do NOT want Think Mutual Bank to authorize and pay overdrafts on my ATM and everyday debit cardtransactions.☐ I want Think Mutual Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.  \nPrint Name: Account \\#:  \nSignature:  \n___________________________  \nDate:   \nYour Guide to Preventing and Managing Overdraft  \nAvoid Overdraft Fees  \nAn overdraft can occur when you try to spend more money than you have available in your checking account. For example, let’s assume you have $40 in your account. You ask the phone company to electronically deduct $35 from your checking account to pay the bill. You now have $5 available. Next, you use your debit card to make a $10 purchase. You overdraw your account if the bank allows the $10 purchase to be processed. This could cost you expensive overdraft fees. The amount you are overdrawn plus your bank’s fees will be deducted immediately, in full, from your next deposit(s)  \n– including from payroll deposits made by your employer, government benefit deposits, and other direct deposits on which you may depend. These deductions will lower your account balance once again and may increase the risk of moreoverdrafts and costly fees.  \nOpt-In Rule  \nATM and Point of Sale Debit Card Purchases  \nIn 2010, federal regulations took effect that provides certain protections for bank customers when their depositaccount(s) are overdrawn. Customers now have a choice whether to opt-in to a bank’s overdraft program. By choosing to opt-in, the bank can charge you a fee to process point-of-sale (P","cbCaibuCEjVdu1Io","https://ap.wps.com/l/cbCaibuCEjVdu1Io","pdf",555442,"English","# Consumer Debit Card Authorization Form\n## Standard overdraft practices and covered transactions\n## Overdraft fees and fee limits\n## How to authorize overdrafts for ATM and everyday debit card transactions\n## How to revoke or discontinue overdraft authorization\n## Your guide to preventing and managing overdraft fees\n## Opt-in rule and protections for ATM and POS purchases\n## Checks and other transaction payment handling\n## Two ways to avoid costly overdraft fees","[{\"question\":\"How does the opt-in rule affect ATM and point-of-sale debit card transactions?\",\"answer\":\"Federal regulations allow customers to opt in. If you do not opt in, the bank will decline ATM withdrawals and debit card POS transactions when funds are insufficient, and the bank cannot charge an overdraft fee if it pays an item despite not opting in.\"}]","Consumer Debit Card Authorization Form - Overdraft Practices and Fee Opt-In/Revocation | PDF",1789623863]