A lot is being made about Americans still wanting to opt-in for overdraft privilege (or bounce protection) services – even though they have to pay a fee for it. More and more credit unions are allowing opt-in requests from their members who overwhelmingly demand access to this service. At ASCU, we made a concerted effort to advertise an alternative to payday lending and bounce protection programs. We educated our members about line-of-credit loans, but very few have taken advantage of it. As with other credit unions, we are also hearing from our members that they want their overdraft privilege program back. So, we’re implementing it again sometime between now and the end of the year.