; and (6) whether the participation of a consumer in an overdraft coverage program will be terminated if the account is not returned to a positive balance within a given time period. (i) Terminated or suspended coverage Each depository institution shall provide prompt notice to the consumer, using a reasonable means selected by the consumer, if the institution terminates or suspends access to an overdraft coverage program with respect to an account of the consumer, including a clear rationale for the action. (j) Overdraft coverage restrictions and fee limits for checks and automatic recurring payments (1) Frequency A depository institution may charge not more than 1 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) Reasonable and proportional overdraft coverage fees (A) In general The amount of any overdraft coverage fee shall be reasonable and proportional to the financial institution’s costs in providing the overdraft coverage for that transaction, including the financial institution’s cost of funds and other costs directly associated with the transaction. (B) Safe harbor rule authorized The Bureau, in consultation with the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, the Board of Directors of the Federal Deposit Insurance Corporation, and the National Credit Union Administration Board, may issue rules to provide an amount for any overdraft coverage fee that is presumed to be reasonable and proportional to the financial institution’s costs in providing the overdraft coverage for the transaction. (3) Posting order Each depository institution shall post transactions with respect to transaction accounts in such a 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