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Choose-in essential. Account needs to have initial qualified immediate deposits, must be in excellent standing and also have an activated chip-enabled debit card to choose-in. Ongoing suitable immediate deposits and other conditions apply to maintain eligibility for overdraft safety. Only debit card order transactions are eligible for overdraft safety and overdrafts are compensated at our discretion. We reserve the proper to not shell out overdrafts. For instance, we might not fork out overdrafts if the account isn't in excellent standing, or is just not obtaining ongoing qualified direct deposits, or has too many overdrafts.