Under the Federal Reserve Bank’s Regulation E, members of YS Federal Credit Union (YSCU) are required to personally notify YSCU (or “Opt-In”) if you want the Credit Union to automatically pay overdrafts on your ATM or debit card transactions, through our Courtesy Pay, Overdraft Privilege Program. YSCU will not automatically allow overdrafts to occur on ATM or debit card transactions on existing accounts unless you give us permission to do so. As a result, you may experience more frequent denials when using your card. To avoid any interruption in your card use, please visit the YS Federal Credit Union office to enroll in our Courtesy Pay program. Please note that this regulation only applies to those transfers done by ATM/debit cards. Overdrafts occurring with Share Drafts and ACH transactions may still be automatically allowed by YSCU for a fee. The Federal Reserve Bank’s Regulation E is a directive of the federal government and applies to all financial institutions.