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Choose-in demanded. Account must have First suitable immediate deposits, must be in great standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits as well as other standards implement to take care of eligibility for overdraft defense. Only debit card order transactions are suitable for overdraft defense and overdrafts are paid out at our discretion. We reserve the appropriate not to shell out overdrafts. By way of example, we might not pay back overdrafts if the account is not in good standing, or is not acquiring ongoing eligible direct deposits, or has too many overdrafts.