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I have a joint account. Do both account holders need to opt in or agree to overdraft protection?

It depends. For overdraft services that are specific to automated teller machine (ATM) or one-time debit card transactions and for which the bank will charge a fee, one account holder is considered sufficient when opting-in. Similarly, for these types of overdraft services, the bank must treat revocation of consent by one account holder as revocation of consent for that account.

Contact your bank for other types of overdraft services offered.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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