With Account Guardian we may approve everyday Debit Card purchases when you don’t have sufficient funds in your account – such as times when you inadvertently miscalculate your available balance, when funds from a recent deposit are not available or when you cannot make a deposit until later that same business day. Account Guardian provides peace-of-mind knowing that your purchases, especially those for unexpected emergencies like home appliance repairs, will be covered so you can avoid embarrassment and extra hassles in your already busy day.

An overdraft occurs when you do not have enough money (available balance) in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices for qualified accounts.
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

We do authorize and pay overdrafts for the following types of transactions for qualified accounts:

· Checks and other transactions made using your checking account number
· Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions unless you opt in, (see below):

· Everyday Debit Card purchases

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:

· We will charge you a fee of $32 each time we pay an overdraft.
· There is no limit on the total fees we can charge you for overdrawing your account.
· Important information regarding orders (such as debit card purchases) and overdrafts is located in the Account Terms & Card Section of the Member Services Agreement.

I have reviewed the Member Services Agreement and read the above information regarding NASA Federal Credit Union’s overdraft programs.

I want NASA Federal Credit Union to authorize and pay overdrafts on my everyday Debit Card transactions for the account(s) listed below.
I do not want NASA Federal Credit Union to authorize and pay overdrafts on my everyday Debit Card transactions.