The Federal Reserve wanted consumers to have the option whether to have debit card and ATM transactions covered under a financial institution's standard courtesy pay program or not.  The regulation allows you, as the consumer, to have the choice to opt-in or opt-out of overdrawing your account for ATM and one-time debit card transactions.  If you should choose to opt-out, your transactions using an ATM or one-time debit card purchase will be declined when you have insufficient funds on deposit to cover the item.  If you choose to opt-in, we will cover your transactions when your account is running low on funds.  There will be a fee associated with this service.