Three years http://miamilimotours.com/diclofenac-gel-baikal-pharmacycom-polq diclofenaco sodico 75 mg posologia A 2009 Federal Reserve Board rule required depository institutions to secure affirmative consent (opting-in) from account holders for overdraft coverage of ATM and debit card transactions before the institution could charge overdraft fees. This change became effective for new accounts opened after July 1,2010 and for existing accounts on August 15, 2010.