When will the credit union be required to obtain my consent or agreement before imposing overdraft fees on ATM and one-time debit card transactions?

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For accounts opened on or after July 1, 2010, the credit union may not assess an overdraft fee on an ATM or one-time debit card transaction if you or another joint account holder did not affirmatively consent or agree to the fee.

For accounts opened before July 1, 2010, the credit union may not assess an overdraft fee on an ATM or one-time debit card transaction on or after August 15, 2010 if you or another joint account holder has not affirmatively consented or agreed to the fee.

You must opt-in to overdraft protection for ATM and one-time debit card transactions.