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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 is overdraft protection?

What is overdraft protection?

Overdraft protection is an optional service that helps cover purchase transactions that exceed your available balance and would normally be declined because of insufficient funds. ATM withdrawals, bill payments made within the app and sending money to others are not covered by overdraft protection. Overdrafts are paid at our discretion, and we do not guarantee that we will authorize and pay any transaction.

You must have an activated, chip-enabled Xpectations! Plus Debit Card and opt-in to overdraft protection to be covered. A $15 fee may apply.

Related questions

  • How do I qualify for overdraft protection?
  • How do I opt in to overdraft protection?
  • What amount of overdraft protection coverage is provided?

Account agreements

Account agreements

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 from Mastercard. Mastercard and the circles design are registered trademarks of Mastercard 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 of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

Neither Green Dot® Bank, Green Dot Corporation, nor Mastercard Inc. or any of their respective affiliates are responsible for the products or services provided by third parties. Third party terms and conditions apply. All third-party names and logos are trademarks of their respective owners.

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.

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©2025 Green Dot Corporation. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.