You choose Option A for Overdraft Options. What would happen if you had $30 in your checking account and you tried to take out $45 at the grocery store using your debit card? Your transaction would be denied, you’d have to return the groceries, and you would be charged an overdraft fee.

Your transaction would be denied, you’d have to return the groceries, and you would NOT be charged an overdraft fee.

Your transaction would be processed so you can purchase the groceries, but you would NOT be charged an overdraft fee.

Your transaction would be processed, but you’d have to return the groceries, and you would be charged an overdraft fee.