No, there are no fees for opting into the Platinum Overdraft Protection service. If Platinum Overdraft protection is not used to cover a non-sufficient funds item then no fee will be incurred. However, with Platinum Overdraft, if an item is presented for payment and there are not enough available funds at the time, we may pay the item at our discretion and the non-sufficient funds fee will be assessed. A maximum of four fees will be incurred daily. Please refer to our Schedule of Fees for the non-sufficient funds fee. If you have any questions regarding Platinum Overdraft Protection you may call us at 1-800-538-3328.