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with eligible direct deposits and choose-in** Decide-in required. Account need to have initial eligible direct deposits, needs to be in great standing and possess an activated chip-enabled debit card to choose-in. Ongoing qualified immediate deposits and also other criteria use to keep up eligibility for overdraft protection. Only debit card invest in transactions are suitable for overdraft safety and overdrafts are paid out at our discretion. We reserve the proper to not pay back overdrafts.