Answer:
Review the FDIC's FIL-81-2010 at http://www.fdic.gov/news/news/financial/2010/fil10081.pdf and the FDIC's FAQ at http://fdic.gov/news/conferences/overdraft/FAQ.html. You'll find a detailed description of the FDIC's expectations relating to your question. Make sure you check out the "Meaningful and Effective Follow-Up Illustrations" included with the FAQ document.