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*Overdraft Privilege (OOPS!) is a discretionary service that a customer may opt-out of any time by notifying a Customer Service Representative. For each overdraft we pay, we will charge the standard per item overdraft fee set forth in our fee schedule (currently $35.00). OOPS! applies to a variety of transactions, including checks and other transactions made using your checking account number, automatic bill payments, ATM transactions and everyday debit card transactions; however, on consumer accounts we will not include ATM and everyday debit card transactions within our OOPS! Program without first receiving your affirmative consent to do so. Furthermore on consumer accounts absent your affirmative consent, ATM and everyday debit card transactions generally will not be paid under OOPS!. The amounts of any overdrafts, including our fees, are due and payable immediately or on demand. We can refuse to pay any overdraft for any reason.