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with qualified immediate deposits and decide-in** Decide-in required. Account have to have First suitable immediate deposits, must be in excellent standing and also have an activated chip-enabled debit card to choose-in. Ongoing qualified direct deposits and various requirements apply to keep up eligibility for overdraft security. Only debit card purchase transactions are eligible for overdraft security and overdrafts are compensated at our discretion. We reserve the proper to not spend overdrafts.