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Xpectations!® Plus Debit Card Help Center
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  3. How do I qualify for overdraft protection?

How do I qualify for overdraft protection?

If you have an Xpectations! Plus Debit Card account and receive eligible direct deposits, you may qualify for overdraft protection. You must have an activated, chip-enabled debit card and opt in to overdraft protection to receive coverage. Overdraft coverage eligibility also includes factors such as the frequency of deposits to your account, your account status, and the transaction history of any accounts with us.

Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Learn more at PLScard.com.

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Account agreements

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Online Privacy Statement (PDF)

Account agreements

Account agreements

Online Privacy Statement (PDF)

The Xpectations!® Plus Debit Mastercard® is issued by Green Dot® Bank, Member FDIC, pursuant to a license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to a single FDIC-insured bank, Green Dot Bank. Deposits under any trade name are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to allowable limits. Green Dot LLC is a service provider to Green Dot Bank.

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with Green Dot LLC or Green Dot Bank and have not sponsored or endorsed Green Dot products or services. Neither Green Dot Bank, Green Dot LLC, nor Mastercard or any of their respective affiliates are responsible for products or services provided by third parties. Third party terms and conditions apply.

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Xpectations! Plus and PLS are registered service marks of PLS Financial Services, Inc.

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