; or (B) involving a one-time debit card transaction. (2) Overdraft fees permitted for checks and automatic recurring payments A depository institution may charge an overdraft coverage fee for a check or an automatic recurring payment as part of an overdraft coverage program that incorporates the requirements identified in subsections (d) through (l). (d) Consumer consent opt-In A depository institution may charge overdraft coverage fees with respect to the use of checks or automatic recurring payments only if— (1) the depository institution has waited at least 3 days after opening an account to offer the overdraft coverage program; and (2) the consumer has consented in writing, in electronic form, or in such other form as is permitted under regulations of the Bureau. (e) Consumer disclosures Each depository institution shall clearly disclose to each consumer covered by an overdraft protection program of that depository institution— (1) that the consumer may be charged for not more than one overdraft coverage fee in any single calendar month and not more than 6 overdraft coverage fees in any single calendar year, per transaction account; (2) information about any alternative overdraft products that are available (such as linked accounts, lines of credit, and alerts), including a clear explanation of how the terms and fees for such alternative services and products differ