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What's Overdrive?

Overdrive lets qualifying members overdraft up to $200 without overdraft fees when they swipe their Current debit card. This feature comes with no additional fees, so we have your back when you need it! 

How do I get Overdrive? 

We determine eligibility for Overdrive based on the direct deposits you receive from your employer or provider. To qualify and opt into Overdrive, you must:

  • Have an active Current account in good standing
  • Be 18 years of age or older
  • Receive $500 or more in Qualifying Deposits in your account over each 30-day period

If your account qualifies for Overdrive, you’ll receive a notification from us letting you know that you’re eligible to enable Overdrive. Once enabled, you can check your limit by tapping Overdraft Protection in the You section of your account.

Overdrive limits start at $25 and can be increased up to $200 by Current based on a variety of factors, including account activity like swiping your Current Debit Card. 

Access to Overdrive will be removed if you do not receive $500 or more in qualifying direct deposits in a 30-day period, but it can be reinstated once you do! We may take into account additional requirements before reinstating Overdrive or adjusting existing requirements at our discretion.

What is a Qualifying Deposit?

Qualifying Deposits for Overdrive include Automated Clearing House (ACH) direct deposits from your employer, payroll provider, or Social Security.

Bank ACH transfers, unemployment insurance payments, peer-to-peer transfers between bank accounts, transfers made to debit cards from digital wallets or P2P services (PayPal, Venmo, Cash App, or other similar services) mobile check deposits, and cash deposits are not deposits that qualify for Overdrive or increases to your limit.

Is there an additional fee for using Overdrive?

Nope! Once you have Overdrive, you will be able to enjoy the peace of mind that comes with using it. 

For more information, you can find the Overdrive terms and conditions here.

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