Can a Safe Debit account be charged an overdraft fee?

No. Overdraft paid, overdraft returned, or extended overdraft fees are not assessed on Safe Debit accounts. Fees may be charged by the payee or merchant if a payment is returned.

If you have no available credit, you won't be able to use your debit card or withdraw funds. MakeĀ a transfer or deposit to bring the available balance positive and you'll be able to use your account again.