Hybrid debit-credit card
(5) Hybrid debit-credit card means any card, plate, or other single credit device that a consumer may use from time to time to obtain covered overdraft credit from a very large financial institution. (6) Non-covered overdraft credit means overdraft credit that is not subject to a finance charge and is not payable by written agreement in more than four installments. (7) Overdraft credit has the meaning set out in paragraph (a)(2) of this section. (8) Very large financial institution means an insured depository institution or an insured credit union that has total assets of more than $10,000,000,000 and any affiliate thereof, as determined under 12 U.S.C. 5515(a).