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What's Overdrive?

Overdrive lets qualifying members overdraft 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 your direct deposit history, account activity, and other risk-based factors.

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 increase up to $200 as you continue to use your account. These limits may change over time and are dependent on your direct deposit history, account activity, and other risk-based factors. 

Your Overdrive limit may decrease or you may lose access to the feature if you do not meet the eligibility requirements on a consistent basis. 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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