When we say basic overdraft coverage, we're referring to the default overdraft preferences set up when you opened your checking account. This excludes any added overdraft protection services such as savings or Checkline Reserve. When you open a checking account, you're automatically opted in for checks, other transactions made using your checking account number and automatic bill payments. This means that we may, at our discretion, authorize and pay overdrafts on these types of transactions. You can change your overdraft preferences for these types of transactions at any time. When you open a checking account, you're also required to opt in or out of basic overdraft service with ATM and debit card coverage. This enhanced service adds coverage for ATM cash withdrawals and one-time debit card transactions. We don't authorize or pay overdrafts for these types of transactions unless you opt in to this service. If we don't authorize or pay an overdraft, your transaction will be declined. You can change your overdraft preferences for these types of transactions at any time.