Credit Union ABC has activated the Reg E opt in/opt out feature and has configured a NSF fee.  John Smith, a member of ABC Credit Union, has elected to opt out of receiving overdraft services.

John will not be charged an NSF fee on one-time PIN ATM Debit (13) and Debit Signature (16) transactions. 

John will be charged an NSF fee on any recurring PIN ATM Debit (13) and Debit Signature (16) transactions, which are not covered by the member's Reg E opt in/opt out setting.