The bank typically doesn’t pay overdrafts if your account isn't in good standing. Every day, non-recurring debit card transactions (individual debit card purchases such as at the grocery store or a one-time online purchase), will only be authorized when the bank determines you have enough available funds in your account or in your eligible linked Overdraft Protection account at the time of the transaction. Otherwise, the bank will decline the transaction and won’t charge an Overdraft Item fee.
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