Green Dot offers qualifying customers the ability to overdraw their account up to (including fees) on eligible prepaid debit cards and checking accounts. This feature is designed to provide a financial safety net for unexpected expenses or temporary cash shortfalls — but it’s important to understand how it works before opting in.

This "real-time" repayment model differs from traditional lines of credit, where you might have a monthly bill.

A $15 fee may apply to each transaction that overdraws your account by more than $10.

To unlock the $200 overdraft limit, you must meet specific criteria set by Green Dot Bank : Unlock overdraft protection up to $200 - Green Dot

You have a 24-hour grace period from the first overdrawn transaction to bring your balance back to at least $0 to avoid the $15 fee.

This feature provides a cushion for life’s unpredictable moments—allowing a bill payment to go through even if payday is two days away.