Overdraft Privilege is when you don't have enough money in your checking account to cover a transaction, but we pay it anyway. Regulation E requires us to obtain your approval before we can consider covering these payments. If you're already a member, you can opt in to Overdraft Privilege by logging into Online Banking and clicking "More Options" and "Debit Card Overdraft Opt-In." You can then complete the form at the bottom of that page and submit it. To opt out of Overdraft Privilege, click "Debit Card Overdraft Opt-Out" and fill out the form to submit.