Are purchases of gift cards or stamps, and bill payments conducted through an ATM included in the ATM transactions that a customer can opt-in for overdraft coverage?

I would lump those in with one-time POS purchases with a debit card.....still would need an opt-in in order to charge an OD fee them if approved and paid into overdraft.

From the supplementary information accompanying the final regulation:

The Board understands that consumers use ATMs not only for withdrawing cash, but also for inter-account transfers, bill payments, and even postage stamp purchases. Therefore, the Board believes the opt-in rule should apply to all transactions originating at an ATM, and not just withdrawals. Accordingly, the final rule has been revised, as applicable, to apply to ‘‘ATM transactions’’ more generally, in addition to one-time debit card transactions as proposed

I remembered it because I thought it was ridiculous that they mentioned it. What do I know anyway!