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What is overdraft protection?

Overdraft protection is an optional service that helps cover purchase transactions that exceed your available balance and would normally be declined because of insufficient funds. ATM withdrawals, bill payments made within the app and sending money to others are not covered by overdraft protection. Overdrafts are paid at our discretion, and we do not guarantee that we will authorize and pay any transaction.

Cash withdrawals, paying bills within the app, and sending money to others are NOT covered.

You must have an activated, chip-enabled debit card and opt in to overdraft protection to be covered. A $15 fee may apply.