Answer:
Whether the person opts-in to the one time debit/ATM OD should be of no consideration whether you pay the check or not. In fact, if you do allow this to enter your decision, it is an illegal discrimination issue [refer to section 204.17(b)(2)(i)]. Since this is a check, you can pay or NSF it and still charge the customer.
First published on BankersOnline.com 10/11/10