And I agree with you. When it comes to overdrafts and overdraft fees, improved communication and transparency with the customer is a definite plus. I suggest you confirm that the opt-in has been cancelled, remind the customer of the potential for being rejected at an ATM or point of purchase, and explain how to opt back in (subject to approval, of course).
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8