Unlock overdraft protection up to $200

with opt-in and eligible direct deposit** Activated, chip-enabled debit card and opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more about Overdraft Protection (PDF).

ATM withdrawals and bill payments made within the app are not covered by overdraft protection

Already have a GO2bank account? Log in to opt-in to overdraft protection

The amount of coverage is based on your direct deposits

You have 24 hours from the authorization of the first transaction that overdraws your account to bring your account positive to avoid a $15 fee

Basic

Receive a single direct deposit of any amount to your account. No fee.

Receive a single direct deposit of any amount to your account. No fee.

Premium 100** Premium 100 allows for a maximum of 10 overdrafts in a monthly statement period.

When you receive at least 2 direct deposits totaling $200+ in a 35 day period.

When you receive at least 2 direct deposits totaling $200+ in a 35 day period.

Premium 200** Premium 200 allows for a maximum of 10 overdrafts in a monthly statement period.

When you receive at least 2 direct deposits totaling $400+ in a 35 day period .

When you receive at least 2 direct deposits totaling $400+ in a 35 day period .

Your coverage is automatically adjusted based on your direct deposits

 

How it works

Set up and receive direct deposits

Opt in for overdraft protection

We’ll automatically cover purchase transactions that exceed your available balance