I opted out of arbitration with my bank years ago but have discovered that this only covers the services I had at the time of opt out (checking, savings credit card) and I'd have to opt back into arbitration if I want any other service (like electronic document delivery) from the bank. Don't make the same mistake I made -- first sign up for all the services you want, then opt out because your opt-out will only cover the services you had at the time of opt out.