Debit Card and ATM Overdraft Opt-In
Maximize Your Overdraft Freedom
Federal Regulation requires that you give us permission to cover ATM withdrawals and everyday debit card purchases when you have been approved for our Overdraft Freedom service.
Everyday debit card purchases are those which you use your debit card for during one-time transactions, such as: purchases at the grocery store; gas station; or pharmacy.
Please take a moment to consider how you use your debit card and select the choice that is right for you.
If you decide to OPT-IN for coverage of ATM withdrawals and everyday debit card purchases:
- Liberty may cover your ATM withdrawals and everyday debit card transactions up to the Overdraft Freedom limit established for your account.
- There is no fee to OPT-IN for coverage of ATM withdrawals and everyday debit card purchases through the Overdraft Freedom service.
- Liberty’s standard overdraft fee of $37 will apply for each transaction that is covered when there are insufficient funds in your account.
If you decide NOT to OPT-IN:
- Liberty will not cover your ATM withdrawals and everyday debit card transactions if there are not sufficient funds in your account.
- Your transaction will be declined, even in an emergency, if there are not sufficient funds in your account to cover the transaction.
