Overdraft Opt-In Form

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to another account. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number

Automatic Bill Payments

We do not authorize and pay overdrafts for the following types of transactions without your consent:

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Miami Firefighters Federal Credit Union pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of $35.00 each time we pay an overdraft if your account is overdrawn more than $10.
• We will not charge you a fee if your account is overdrawn by $10 or less on any given day.

What if I want Miami Firefighters FCU to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (305) 324-4004, visit our website at www.mffcu.org, email us at memberservices@mffcu.org, complete the form below and present it at our office or mail it to: 1111 NW 7th St Miami, FL 33136. You can revoke your authorization for Miami Firefighters FCU to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account.