AFT = Automatic Funds Transfer?
Reg E prohibits compulsory use 1005.10(e) where an EFT is required as a condition of a loan, and the bank may not require an account and EFT for employment or government benefits. It says nothing of incentive programs. Since the accounts are required to get the incentive, I'd say it must be OK.
My opinions are not necessarily my employers.
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell