All accounts, including Free Checking, are subject to a $32 Overdraft Fee and assessed when there are insufficient funds in the account to cover: checks, electronic funds transfers, authorized payments, and other withdrawals. The account must be brought to a positive balance at least once every 30 days. We may refuse to pay an overdraft at any time, even though the account is in good standing and even though we may have previously paid overdrafts on the account.