Overdraft coverage is a service that helps you complete a transaction if you don’t have enough money in your deposit account. It applies to ATM and everyday debit card transactions.

When you opt in or out of overdraft coverage, it can take one to three business days for the changes to go into effect.

If you choose to have overdraft coverage, it means overdraft items may be paid, and an Overdraft paid fee may be charged. See also: What is an Overdraft paid fee?

To opt in or manage overdraft coverage using our automated phone system

1. Call 800-USBANKS (872-2657) and follow the prompts to verify your identity.
2. Select which account you’d like to manage overdraft coverage for.
3. After the account overview, say something like “overdraft coverage”.
4. The system will check the status of overdraft coverage for that account. You’ll be prompted to make changes based on whether it’s in effect or not.
   • If overdraft coverage is in effect, you’ll be given the option to opt out.
   • If overdraft coverage is not in effect and the account is eligible for it, you’ll be given the option to opt in.

More information

A notice will be sent to the address on file whenever changes to your ATM and debit card overdraft coverage are made.

To opt in or manage overdraft coverage using digital banking, see: How do I opt into overdraft coverage and manage it?