Regulation E prohibits the credit union from overdrawing your account and charging a Courtesy Pay fee for ATM transactions or one-time debit card transactions, unless you request to "opt-in" to this service.  We process all items the same in deciding whether to authorize payment for an item - regardless of whether it is a check, ACH, ATM or debit card transaction. You'll have the option for WVFCU to decline your debit card or ATM transactions if you have insufficient funds on deposit.  This will avoid fees; however you might possibly be at the grocery store or gas station with no way to pay with your debit card.  You have the choice to opt-in or opt-out at any time.