manner that minimizes overdraft coverage fees and nonsufficient fund fees. (k) Debit holds No depository institution may charge an overdraft coverage fee on any category of transaction, if the overdraft results solely from a debit hold amount placed on a transaction account that exceeds the actual dollar amount of the transaction. (l) Nondiscrimination for not opting in In implementing the requirements of this section, each depository institution shall provide to consumers who have not consented to participate in an overdraft coverage program, transaction accounts having the same terms, conditions, or other features as those that are provided to consumers who have consented to participate in such overdraft coverage program, except for features of such overdraft coverage. (m) Nonsufficient fund fee limits No depository institution may charge any nonsufficient fund fee with respect to— (1) any transaction at an automated teller machine