For each transaction listed above that we pay, you will be charged a $32 Overdraft Fee if the transaction overdraws your account, up to $160 per day (which equals five Overdraft Fees or NSF Return Item Fees). We do not charge the $32 fee if, after all transactions presented to your account on any given day are paid or returned, and your account balance is overdrawn by $10 or less. We also do not charge a $32 fee for individual transactions paid or returned for $10 or less. Subject to the “Force Pay Transactions” described below. You can decline or opt out of this service at any time.