The Service can be summarized as follows

  1.  You are using your ATM card

2.  You don’t have enough money in your checking account to cover the transaction

3.  The Service allows you to continue to use the ATM card.


I looked at the Consumer Account Agreement with Wells Fargo.   As is typical with these Agreements, if you do not make a deposit by a cut-off date, you are charge a fee.

Watch out with this Service.  It is very easy to use your ATM several times, without even realizing that you have no funds in your account.   The overdraft charges can easily add up to $100 or $200, or more.

Since this is an optional service, it is best to “opt out” of the service.

Attorney Robert M. Singer

Law Offices of Robert M. Singer, LLC

2572 Whitney Avenue

Hamden, CT  06518





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