Campaigns are getting underway at many local banks to get customers to "opt in" to allow the institution to continue charging overdraft fees when an account goes into the red using an ATM Debit card. The federally mandated changes force banks to give customers the choice whether their account can overdraft or simply decline payment when there's insufficient funds. Chris Taylor talks to one man about his experience overdrafting at one area bank and profiles the pros and cons of opting in or out.