What You Need to Know about Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings or loan account, which may be less expensive
than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
• Checks and other transactions made using your checking account number
• Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:
• ATM transactions
• Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any
type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if BrightStar Credit Union pays my overdraft?
Under our standard overdraft practices:
• We will charge you a fee of
$34 each time we pay an overdraft. There is no maximum number of overdraft
fees that may be incurred per day.

What if I want to revoke my decision to have BrightStar Credit Union authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you opt-in and decide later that you want to revoke your decision to have BrightStar authorize and pay overdrafts on ATM and everyday debit card transactions, call us at 954-486-2728. You may also send a written request, including your name, address, date
of request, and account number, to us at:

BrightStar Credit Union
PO Box 8966
Ft. Lauderdale, FL 33310