Action Required—Important Information Affecting Your Checking Account 
Dear Valued Customer: 
A Federal regulation requires us to obtain your approval before we can consider payment of your ATM withdrawals and debit card purchases that may create an overdraft in your checking account.  We currently provide this service to you as part of our Occasional Overdraft Privilege Service.  The majority of our customers prefer having this service to avoid the embarrassment of having their debit card purchase denied at the grocery store checkout line, at the pharmacy when paying for prescriptions,  at a restaurant when paying the bill, or other similar situations.   

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