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Reg E Overdrafts


​Describes the debit cards overdraft rule under Regulation E and what consumer deposit and payroll card accounts are covered as well as the accounts not covered. Explains how the rule prohibits imposing any fee for paying an ATM or one-time debit card overdraft unless the customer has received a notice explaining the fee and consented or opted-in.

Updated: April 2019

What You'll Learn

After completing this course, students will be able to:

  • Describe the debit cards overdraft rule under Regulation E 
  • Identify what is and what is not covered
  • Explain the opt-in requirements for certain debit card overdrafts under Regulation E


Tellers, CSRs, personal bankers, call center, back office responsible for overdraft determinations.

​Course Credits


​​Questions? Please contact for more information.



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