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Overdraft Opt-in
     Don't Lose Your Overdraft Debit Card Privileges! Due to recent Federal regulatory changes, it is soon going to be necessary for you to "opt-in" or "opt-out" of the payment of everyday point-of-sale transactions in cases where you do not have enough money in your account to cover a transaction. If you wish to continue authorizing the credit union to pay such transactions after August 1, 2010, you must "opt in". Point-of-sale transactions, referred to above, are most easily recognized as ATM transactions and debit card transactions. If you do not have sufficient funds to cover these types of transactions, and choose not to opt-in, the credit union will be forced to deny your access to the transactions. To keep your overdraft privileges, fill out the form below and click submit. If you have any questions give us a call at (978) 374-7386. Please check one of the following:  
  Opt in? I want HTM Credit Union to authorize and pay overdrafts on my point of sale transactions (Please answer YES or NO) *
  First and Last Name *
  Account Number *
  Date (mm/dd/yyyy) *
  I have read and understand the information above. I authorize HTM Credit Union to apply the options selected above to my account. (Please answer YES or NO) *
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     You may "opt-out" of the Courtesy Pay in its entirety at anytime in writing. If you choose to do so you may be subject to insufficient funds fees assessed by the credit union and merchants. HTM Cedit Union reserves the right to revoke Courtesy Pay privileges at anytime without prior notifications and to deny the payment of any transaction.  
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