Overdraft coverage refers to how we manage ATM and everyday debit card transactions when a deposit account has a negative balance. When the overdraft item is approved, an Overdraft paid fee may be charged. 

When you opt into overdraft coverage or make changes, it isn’t immediate. It takes one to three business days for the updates to happen. Follow the steps below to make changes to your overdraft coverage. 

Also see: What's the difference between overdraft protection and overdraft coverage?

Online banking

1. Select Customer service at the top of the page, then choose Self service. 
2. Choose Overdraft Options within the "Deposit Accounts & Debit/ATM Cards" section.
3. Select Manage ATM and debit card overdraft coverage and then choose your account.
4. Your current overdraft coverage choice will display. To change it, choose Change coverage.
5. Mark the checkbox next to the new choice and select continue.
6. Review the overdraft coverage disclosures. If you accept, select Agree and submit.

U.S. Bank Mobile App

1. From within your checking account select Manage at the top.
2. Choose Overdraft resources from Account services.
3. Select Overdraft Coverage, then choose your account on the next screen.
4. Your current overdraft coverage choice will display. To change it, choose Change coverage.
5. Mark the checkbox next to the new choice and select continue.
6. Review the overdraft coverage disclosures. If you accept, select Agree and submit.