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Xpectations!® Plus Debit Card Help Center
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How do I qualify for overdraft protection?
Xpectations! Plus Debit Card account holders who receive eligible direct deposits 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.