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with qualified immediate deposits and decide-in** Decide-in needed. Account need to have Original suitable direct deposits, should be in very good standing and also have an activated chip-enabled debit card to choose-in. Ongoing qualified immediate deposits and various criteria apply to maintain eligibility for overdraft safety. Only debit card obtain transactions are qualified for overdraft defense and overdrafts are paid out at our discretion. We reserve the appropriate not to pay back overdrafts.