starts and permits for future building. some big changes taking effect today will impact your beb dis and atm cards. more details including what you need to know on that in just a moment several retail giants will report their earnings this week and they include home depot, target and walmart. let s get to it right now. the rules, the new ones taking effect concerning your debit and atm cards and those details on what this means from your personal finance expert carmen wong ullrich. good morning. good morning, alex. what is different under the new rules. what s different in the past, when all of us got checking accounts we were automatically given overdraft fees overdraft privileges let s say. the fees come later. swipe it and not enough money in the account. now existing customers as of today have to opt in to getting overdraft protection and if you haven t already, you can always do that but this was the deadline to opt in if you re an existing customer. in july if you we