What condition must be met to downgrade an EFT membership?

The condition required to downgrade an EFT (Electronic Funds Transfer) membership centers on ensuring that the membership remains current and complies with the established auto-draft system. Meeting the required auto draft implies that the ongoing payments or commitments associated with the membership must be adhered to before any changes can be instituted. This ensures that the transition to a lesser membership level does not interrupt the continuity of service or violate the terms of the agreement that necessitate regular payment structures.

The other options, while relevant to various aspects of membership maintenance or changes, do not specifically address the necessary criteria for downgrading. For instance, completing a consultation and notifying customer service may be procedural steps but are not definitive requirements, and a downgrade fee would be a potential financial consideration rather than a foundational condition to assess eligibility for a downgrade. Thus, the requirement for continued compliance with the auto-draft system stands out as the essential condition for the downgrade process.