Credit unions may assess fees for paying an ATM or a one-time debit card transaction if the following conditions are met: 

• The credit union provides you with written notice (or electronic notice, if you agree) set apart from all other information, describing the overdraft protection program; 
• The credit union provides a reasonable opportunity for you to affirmatively consent, or opt-in to the program for ATM and one-time debit card transactions; 
• You agree to the payment of ATM and one-time debit card transactions that exceed the account’s available balance; and, 
• The credit union provides written confirmation (or electronic confirmation, if you agree) of your consent or agreement and includes a statement informing you of your right to revoke or terminate your consent. 

You have the right to opt-out of overdraft protection for ATM and one-time debit card transactions at any time.