Banks have historically covered bad checks for valued clients, who were invited to opt in to overdraft protection or to link their checking accounts to savings accounts or to lines of credit.

银行历来视空头支票为价值客户，他们获邀加入透支保护方案，或者将支票帐户与存款帐户或信用额度相关联。

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In the Loan Finder trial, a business could opt-in to allow banks to use QuickBooks data to evaluate if a prospect was a credit risk.

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Account owners will be asked by their banks if they want to opt-in to a database that will allow the sending of money by text message.

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