This is the requirement now-affirmative consent/opt-in: https://www.nafcu.org/compliance-blog/overdraft-protection-members-affirmative-consent-and-opt-confirma

This is the requirement now-affirmative consent/opt-in: https://www.nafcu.org/compliance-blog/overdraft-protection-members-affirmative-consent-and-opt-confirmation https://www.nafcu.org/compliance-blog/overdraft-protection-m... If they make it really easy for you to opt in/a quick checkbox then they can make money. That said if someone is living so tight and wants a transaction declined if their account doesn’t have the funds, the financial should make that easy and obvious to do. Behaving otherwise is predatory.