I have a question about the A-9 Model Consent Form for overdrafts. Is it required to provide this form? If a bank decides to avoid authorizing and paying ATM and one-time debit card transactions that would overdraw a consumer's account, can the form be avoided? If so, if the Bank does decide to pay a covered transaction that overdraws an account, a fee cannot be charged at all?
"100 victories in 100 battles isnt the most skillful. Subduing the other's military w/o battle is the most skillful." Sun-Tzu