Two comments on this. One: the 2005 Joint Agency Guidance on Overdraft addresses this.https://www.federalreserve.gov/boarddocs/SRLETTERS/2005/SR0503a1.pdf
Alert consumers before a transaction triggers any fees. When consumers attempt to withdraw or transfer funds made available through an overdraft protection program, provide a specific consumer notice, where feasible, that completing the withdrawal may trigger the overdraft fees (for example, it presently may be feasible at a branch teller window). This notice should be presented in a manner that permits consumers to cancel the attempted withdrawal or transfer after receiving the notice. If this is not feasible, then post notices (e.g., on proprietary ATMs) explaining that transactions may be approved that overdraw the account and fees may be incurred. Institutions should consider making access to the overdraft protection program unavailable through means other than check transactions, if feasible.
On September 11, 2018, the agencies issued a joint statement noting that guidance does not have the effect of law.https://www.consumerfinance.gov/about-us...isory-guidance/
When determining the best course of action for signage and programming of your ATMs, consider both of the above.
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