On November 12, 2009, the Federal Reserve Board announced final rules that prohibit financial institutions from charging consumers fees for paying overdrafts on automated teller machine (ATM) and everyday debit card transactions on personal checking accounts, unless a consumer consents or opts-in to the overdraft service for those types of transactions. If you would like to opt-in your accounts, please contact Pattie Maddux or Margarita Wagner at 918-583-9800.