You are automatically enrolled in Courtesy Pay by opening a checking account, but you may opt out using our physical or electronic form. Please note that if you opt out, overdrawn items will be returned unpaid and you will be charged a fee for each item returned unpaid as outlined in our Fee schedule. Opting out of Courtesy Pay automatically opts you out of Extended Coverage. Any changes to your opt in/out status will go into effect after we have had a reasonable opportunity to act upon your request which may take up to two business days.
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