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Get covered when you need it most

Cash App gives you free overdraft coverage for up to $200

Prepaid debit cards issued by Sutton Bank, Member FDIC. See Terms and Conditions. Free overdraft coverage provided by Cash App, a Block Inc. brand.

How free overdraft coverage works

Pay with your Cash App Card

If you don’t have enough, up to $200 is covered

Amount gets paid back when you add money

FREE OVERDRAFT COVERAGE

To get free overdraft coverage up to $200, all you need is a Cash App Card and $300+  in direct deposits each month.

Cash App is a financial services platform, not a bank. Banking services are provided by Cash App’s bank partner(s). Free overdraft coverage and direct deposit provided by Cash App, a Block Inc. brand.
BY THE NUMBERS

Many banks charge an average overdraft fee of $27. With Cash App, over 1 million customers have saved over $380 million in overdraft fees.**

Free overdraft coverage that works for real people

“Cash App saved me more than once. Covered my bills when I was short — no fees, no stress.”

“Overdraft coverage is a life-saver. I’ve had to use it a few times, and Cash App didn’t charge me like banks do. It’s helped me get by without extra stress.”

“No hidden charges. Just covered me when I needed it most. That’s real help.”

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Common questions

How do I qualify for free overdraft coverage?

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

How much does it cover?

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.

Are there any fees?

There are no fees to use free overdraft coverage.

What happens if I overdraft?

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.


Can I still use Cash App if I overdraft?

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.

Does this impact my credit?

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

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Cash App is a financial platform, not a bank. Banking services provided by Cash App’s bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See Terms and Conditions. Direct deposit and overdraft coverage provided by Cash App, a Block, Inc. brand.
According to Bankrate the average overdraft fee was $27.08 in 2024. Learn more. Customer savings based on Cash App internal data and calculation as of June 2024. Learn more
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