---
title: Overdrafts & Regulation E Opt-In Issues
description: A Regulation E Opt-In should provide a benefit to the customer, Customers must be allowed to opt in for one-time debit and ATM transactions.
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [Overdrafts & Regulation E Opt-In Issues](https://blog.bankerscompliance.com/en/overdrafts-regulation-e-opt-in-issues)

 Written by [Jerod Moyer](https://blog.bankerscompliance.com/en/author/jerod-moyer) | Jul 18, 2023 3:29:33 PM

If you allow customers to opt-in so that you can charge them overdraft fees for one-time debit card and ATM transactions, that is a benefit for your bank. If you get this benefit, then the customer should also get a benefit. Typically, we see that being an overdraft cushion of funds. If the customer doesn’t receive any benefit from opting in, you have not only [Regulation E](https://www.consumerfinance.gov/rules-policy/regulations/1005/) issues but potentially [UDAAP](https://www.consumerfinance.gov/compliance/supervision-examinations/unfair-deceptive-or-abusive-acts-or-practices-udaaps-examination-procedures/) as well.

Jerod explains more in the video.

Video Highlights:

- A Regulation E Opt-In should provide a benefit to the customer, such as a cushion of funds.
- Customers must be given the option to opt in for one-time debit and ATM transactions separately from other overdraft protection programs.
- Delayed benefits are not allowed; customers must receive their benefit at the same time that a bank receives theirs.

Published  
2023/07/18

[View full post](https://blog.bankerscompliance.com/en/overdrafts-regulation-e-opt-in-issues)

```json
{
  "@context" : "http://schema.org",
  "@type" : "BlogPosting",
  "author" : {
    "@type" : "Person",
    "name" : "Jerod Moyer"
  },
  "dateModified" : "2023-07-18T15:29:33.873Z",
  "datePublished" : "2023-07-18T15:29:33Z",
  "headline" : "Overdrafts & Regulation E Opt-In Issues",
  "image" : {
    "@type" : "ImageObject",
    "height" : 3400,
    "url" : "https://21201105.fs1.hubspotusercontent-na1.net/hubfs/21201105/Benefits.jpeg",
    "width" : 7000
  },
  "mainEntityOfPage" : "https://blog.bankerscompliance.com/en/overdrafts-regulation-e-opt-in-issues",
  "publisher" : {
    "@type" : "Organization",
    "logo" : {
      "@type" : "ImageObject",
      "height" : 60.0,
      "url" : "https://fs.hubspotusercontent00.net/hubfs/21201105/Bankers_Compliance_Consulting_Logo%20copy%202.jpg",
      "width" : 310.30304
    },
    "name" : "Banker's Compliance Consulting Blog"
  }
}
```