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Choose-in essential. Account need to have initial suitable direct deposits, needs to be in good standing and have an activated chip-enabled debit card to choose-in. Ongoing suitable immediate deposits together with other conditions implement to maintain eligibility for overdraft security. Only debit card obtain transactions are suitable for overdraft security and overdrafts are paid at our discretion. We reserve the correct not to pay back overdrafts. Such as, we might not pay back overdrafts In case the account isn't in fantastic standing, or just isn't obtaining ongoing eligible immediate deposits, or has too many overdrafts.