How do I opt-in/opt-out for overdraft consideration on my ATM and everyday debit card transactions?

You can make or change this election at any time in a financial center, by calling us at 1-800-448-8812, visiting us online at, or using our mobile app . It may take up to 72 hours to process your request. For joint accounts, any opt-in/opt-out request by one of the joint accountholders is considered to be instruction to us by all joint accountholders.