Common use of Overdraft Coverage Clause in Contracts

Overdraft Coverage. We will pay your overdrafts for ATM withdrawals and debit card purchases you make at a store, online or by telephone, only if you have told us you want overdraft coverage for these transactions. You can opt out of overdraft coverage for these transactions at any time by writing to us at PO Box 5549, Gainesville, FL 32627 or calling us at ▇-▇▇▇-▇▇▇-▇▇▇▇. Even if you do not request overdraft coverage for ATM withdrawals and debit card purchases, we may still pay your overdrafts for other types of transactions, including checks. Having overdraft coverage does not guarantee that we will pay your overdrafts. If we decide to pay an overdraft, you will be charged fees as described in the fee schedule. Overdraft coverage differs from other overdraft services we offer, such as linking your account to another account with us or an overdraft line of credit. See below for more information, including how to contact us if you want overdraft coverage to apply to your ATM withdrawals and debit card purchases. Other Ways We Can Cover Your Overdrafts We offer other ways of covering your overdrafts that may be less expensive, such as linking your account to another account with us or an overdraft line of credit. Contact us to learn more about these options. How to Request Overdraft Coverage or Get More Information To request overdraft coverage for your ATM withdrawals and debit card purchases, or for information about other alternatives we offer for covering overdraft, please contact us by phone at ▇▇▇-▇▇▇-▇▇▇▇; by email at ▇▇▇▇▇▇.▇▇▇; or by mail at P.O. Box 5549, Gainesville, FL 32627. The following disclosures and terms apply to your accounts with the Credit Union. The Rates & Fees Schedule also sets out terms of your accounts and is hereby incorporated by reference as if fully set forth herein.