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Welcome to the
Xpectations!® Plus Debit Card Help Center
How can we help?

  1. Help
  2. Your debit card and transactions
  3. Overdraft protection
  4. What amount of overdraft protection coverage is provided?

What amount of overdraft protection coverage is provided?

With opt-in and eligible direct deposits, you are covered up to $10 in overdraft protection with no fees.
Additional overdraft coverage up to $200 is subject to eligibility criteria. Fees may apply.

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.

Related questions

  • What fees are charged for overdraft protection?
  • Can I avoid fees for overdraft protection?
  • Which transactions are covered by overdraft protection?

Account agreements

Account agreements

Online Privacy Statement (PDF)

Account agreements

Account agreements

Online Privacy Statement (PDF)

The Xpectations!® Plus Debit MasterCard® is issued by GO2bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

GO2bank also operates under the following registered trade names: Green Dot Bank, 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 of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

Neither GO2bank, Green Dot Corporation, Mastercard International Inc. nor any of their respective affiliates are responsible for the products or services provided by Atomic Financial, or Plaid. Partner terms and conditions apply.

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with Green Dot Corporation and have not sponsored or endorsed GO2bank products or services.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

©2025 PLS Financial Services, Inc. All rights reserved.

©2025 Green Dot Corporation. GO2bank is a trademark of Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.