What is the difference between Standard Courtesy Pay and Debit Card Courtesy Pay?

Coverage. Standard Courtesy Pay covers checks, outgoing ACH transactions, automatic bill payments and recurring debit card transactions. Debit Card Courtesy Pay covers debit card purchases and ATM withdrawals.
Enrollment. Qualified checking accounts are automatically enrolled in Standard Courtesy Pay, while Debit Card Courtesy Pay requires you to opt in.
Fees. A transaction covered by Standard Courtesy Pay results in a $33 Insufficient Funds Fee per transaction. The fee for a transaction covered by Debit Card Courtesy Pay is $0 per occurrence if the transaction is less than $75, or $15 per occurrence if the transaction is $75 or greater.