Consent Form for Overdraft Services

An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We have an enhanced overdraft service whereby you can authorize Comerica to pay overdrafts for ATM and and everyday debit card transactions.
3. We also offer overdraft protection plans, such as a link to a savings account or line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices and our enhanced overdraft service.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Certain ACH transactions
• Automatic bill payments

What is Comerica's enhanced overdraft service?

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

When does Comerica pay overdrafts?

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Comerica Bank pays my overdraft?

Under our standard overdraft practices and our enhanced overdraft service:

• We will charge you a fee of up to $34 each time we pay an overdraft. We will not charge you more than 2 such fees per day.

What if I want Comerica Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit transactions, call us at the appropriate number listed below and follow the automated prompts, or visit your local Comerica banking center.

Eastern: 800.266.3742
Central: 800.925.2160
Mountain/Pacific: 800.522.2265