Get covered when you need it most

To get free overdraft coverage, direct deposit at least $300 in paychecks each month into Cash App. 

Free overdraft coverage is available for up to $200. Your overdraft coverage amount depends on how much you direct deposit into Cash App, your activity, and other factors.

There are no fees to use free overdraft coverage.

If you have free overdraft coverage and spend more than you have in your Cash balance with your Cash App Card, the transactions can still go through, up to your coverage amount. After completing your transaction, money that you deposit or receive will be used to repay your overdraft balance.

If you don’t have free overdraft coverage and spend more than you have in your Cash balance, your transaction will be declined instead. We don’t charge overdraft fees.

Even if your Cash App Card is declined for insufficient funds, you can still use Cash App. If you use free overdraft coverage, money that you deposit or receive will be used to repay your overdraft balance.

No, free overdraft coverage has no impact on your credit score.