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What is the AOP?
The AOP (Automatic Overdraft Privilege) is a $500.00 overdraft limit meant to protect qualifying customers from having checks returned for insufficient funds. This means that customers can write checks to third parties for up to $500.00 above what they actually have in their account at the time.

Who qualifies for AOP?
To qualify for AOP an account must have been open for 6 months. The customer must deposit at least $600.00 each month. Also, the customer cannot have more than 2 insufficient checks within the six months.