Can my account become overdrawn? If so, what happens?

It's possible, but rare. Our accounts are designed to minimize overdrafts, so transactions that are greater than your account balance will typically will be declined or returned.

If your account ends up with a negative balance, we will not charge an overdraft fee. (For more information, check out our schedule of fees.)

Of course, it’s still important that you bring your account out of the negative as quickly as possible. Photo Check Deposit is automatically disabled while your account is overdrawn, so give us a call at 888-248-0632 or send us a support messagesend us a support messagesend us a support message if you need help finding another way to fund your account.

There are a few extra facts to keep in mind if you happen to have a Shared account with a negative balance. You can find all these details in our Shared Account Ownership article.

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