Optional Overdraft Protection1

Life happens, and it helps to have backup

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Qualify for Optional Overdraft Protection1

Set up QuickPay Direct Deposit to access
our Overdraft Protection features.
  • Help soothe register worries with the
    Balance Buffer.
  • Give yourself extra time with 24-hour
    fee relief.

Already have an account with us? Log in to enroll in Optional Overdraft Protection.1


How to qualify

Meet three easy requirements to get Optional Overdraft Protection features with your

  • Have a CARD account open for at least 35 days. Set up QuickPay Direct Deposit and enroll in Optional Overdraft Protection.1
  • Recieve Direct Deposits totalling at least $600 to your account. Note: Tax and stimulus payments are exempt.
  • After enrollment, Direct Deposit at least $600 to your account every 14 days to remain eligible.

Bounce back with the Balance Buffer

When life happens, CARD is here with backup.

Once you are eligible for Overdraft Protection,1 you may overdraw your account up to $10.00 at no charge.

Other smart money features you’ll love

  • 1. The Overdraft Protection (“ODP”) Service is an optional service made available to eligible Customers by Pathward. Once you enroll and meet eligibility requirements, you will be charged a $15.00 fee for each purchase or transaction settlement greater than $5.00 that occurs while your Account available balance is overdrawn beyond the $10.00 Balance Buffer, up to four (4) Overdraft Protection Services Fees per calendar month. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we may not pay an overdraft if you fail to meet the eligibility requirements or attempt too many transactions or transactions that create too large of an overdraft. Contact Customer Service or log in to your Account for full terms and conditions that apply, including eligibility requirements and standard overdraft practices. This service may be expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your Account even if you opt-out of the service

The Card Premium Bank Account is a checking account established by, and the Premium Visa® Debit card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc, and can be used everywhere Visa debit cards are accepted.