Instant overdraft limits and eligibility varies based on your ongoing account history and activity. Limits range from $25 to $250. The average approved overdraft limit is approximately $80 as of 11/1/23. Read more about how to qualify for Instant here.
Some points to note:
- We regularly review your account to calculate your eligibility and may adjust your Instant limit. This means your Instant overdraft limit may increase or decrease over time.
- You can opt out of overdraft coverage at any time from Instant settings.
- Genius is required to access Instant overdrafts. Not all Genius customers will qualify. Fast transfer, ATM, and other applicable fees may apply.