If you have previously opted in to Extended Coverage, but have changed your mind, you may opt out using our physical or electronic forms. You may also opt out of Courtesy Pay. If you opt out of Extended Coverage, overdrawn items will be returned unpaid. Please note that opting out of Extended Coverage does not opt you out of Courtesy Pay. Any changes to your opt in/out status will go into effect after we have had a reasonable opportunity to act upon your request which may take up to two business days.