Can i overdraft my us bank debit card

Can i overdraft my us bank debit card
Log in

About us Financial education

Support Locations

clear search

Log in Close Log in

  • clear search

  • Locations
  • Support
  • Financial Education
  • About us
  • Personal
    • Return to Main Menu
    • Personal

    • Bank accounts
      • Return to Bank accounts
      • Bank accounts

      • Bank Smartly™ Checking account
      • Safe Debit account
      • Savings accounts
      • Debit cards
      • CDs
      • Find routing number
      • Visa gift cards
      • Mobile & online features
      • Explore checking accounts
      • Explore bank accounts
    • Credit cards
      • Return to Credit cards
      • Credit cards

      • View credit cards
      • Cash back credit cards
      • Travel credit cards
      • Low interest credit cards
      • Credit-building credit cards
      • Pay over time
    • Investing and retirements
      • Return to Investing and retirements
      • Investing and retirements

      • Online investing - Offered by U.S. Bancorp Investments
      • Financial goals
      • Investment management
      • Retirement planning
      • IRAs & 401(k) rollovers
      • CDs
      • All products & services
      • Explore investing & retirement
    • Personal loans & lines
      • Return to Personal loans & lines
      • Personal loans & lines

      • Loans & credit lines
      • Personal loan calculator
      • Debt consolidation
      • Debt consolidation calculator
      • Home repair financing
      • LGBTQ+ family planning
    • Home loans
      • Return to Home loans
      • Home loans

      • Mortgages
      • Today's mortgage rates
      • Refinancing
      • Mortgage calculators
      • Home equity
      • First-time home buyers
      • Home improvement loans
      • Home buying guide
      • Mortgage help and repayment
    • Vehicle loans
      • Return to Vehicle loans
      • Vehicle loans

      • Auto loans
      • Auto loan calculator
      • Recreational vehicle (RV) loans
      • Boat loans
      • Leasing service
      • Dealer finance
      • Vehicle Manager
    • Mobile and online
      • Return to Mobile and online
      • Mobile and online

      • Mobile & online features
      • U.S. Bank Mobile App
    • Explore personal banking
      • Return to Explore personal banking
      • Explore personal banking

      • Explore personal banking
  • Wealth Management
    • Return to Main Menu
    • Wealth Management

    • Our services
      • Return to Our services
      • Our services

      • Investment management
      • Wealth planning
      • Trusts & estates
      • Banking
      • Insurance
      • Business owner advisory
      • Charitable giving
      • Explore our services
    • Investing
      • Return to Investing
      • Investing

      • Investment management
      • IRA
      • Online investing
      • Explore all investing options
    • Your goals
      • Return to Your goals
      • Your goals

      • Plan for retirement
      • Fund an education
      • Pay for a major life event or purchase
      • Leave a legacy
      • Explore all financial goals
    • Advisors & wealth teams
      • Return to Advisors & wealth teams
      • Advisors & wealth teams

      • Find a financial advisor or wealth specialist
      • Explore our wealth teams
    • Private Wealth Management
      • Return to Private Wealth Management
      • Private Wealth Management

      • Our approach
      • Leadership team
      • Client groups & featured professions
      • Find a financial advisor or wealth specialist
      • Find an office
      • Explore Private Wealth Management
    • Our perspectives
      • Return to Our perspectives
      • Our perspectives

      • Market news
      • Investing insights
      • Financial planning
      • Retirement planning
      • Trust & estate planning
      • Explore our perspectives
    • Explore Wealth Management
      • Return to Explore Wealth Management
      • Explore Wealth Management

      • Explore Wealth Management
  • Business
    • Return to Main Menu
    • Business

    • Explore business banking
      • Return to Explore business banking
      • Explore business banking

      • Explore business banking
    • Business bank accounts
      • Return to Business bank accounts
      • Business bank accounts

      • Explore business bank accounts
      • Business checking
      • Business savings & CDs
      • Business money market accounts
      • Online banking
      • Mobile banking
    • Business credit cards
      • Return to Business credit cards
      • Business credit cards

      • View business credit cards
      • Pay over time
    • Business loans and lines
      • Return to Business loans and lines
      • Business loans and lines

      • Explore loans & lines
      • Business loans
      • Business lines of credit
      • SBA loans
      • Equipment financing
      • Practice financing
      • McDonald's franchise financing
    • Business services
      • Return to Business services
      • Business services

      • Explore business services
      • Cash management
      • Payroll services
      • Business shared access
      • Fraud protection
      • Legal services
      • Gift cards
    • Business payments
      • Return to Business payments
      • Business payments

      • Accepting payments
      • Making payments
      • Merchant services
      • Tax payments
      • Business prepaid cards
    • Diverse business resources
      • Return to Diverse business resources
      • Diverse business resources

      • Explore diverse business resources
      • Black-owned business support
    • Online & mobile banking
      • Return to Online & mobile banking
      • Online & mobile banking

      • Online banking
      • Mobile banking
  • Corporate & Commercial
    • Return to Main Menu
    • Corporate & Commercial

    • Solutions
      • Return to Solutions
      • Solutions

      • Capital markets
      • Credit & financing
      • International services
      • Liquidity & investments
      • Treasury & payments
      • Explore our solutions
    • Treasury & payment solutions
      • Return to Treasury & payment solutions
      • Treasury & payment solutions

      • Corporate payment services
      • Transportation
      • Public sector banking
      • Payment processing
      • Digital channels
      • Treasury management
      • Explore payment solutions
    • Industry expertise
      • Return to Industry expertise
      • Industry expertise

      • Commercial real estate
      • Financial institutions
      • Healthcare
      • Public sector banking
      • Transportation
      • Travel & hospitality
      • Explore industry expertise
    • Investment services
      • Return to Investment services
      • Investment services

      • Custody solutions
      • Global corporate trust
      • Global fund services
      • U.S. Bancorp Asset Management, Inc.
    • Account login
      • Return to Account login
      • Account login

      • Access accounts
      • Client support
    • Explore corporate & commercial
      • Return to Explore corporate & commercial
      • Explore corporate & commercial

      • Why choose us
      • Explore corporate & commercial
  • Institutional
    • Return to Main Menu
    • Institutional

    • Custody solutions
    • Global corporate trust
    • Global fund services
    • Banking services
    • Account login
    • Contact us
    • Explore institutional
    • U.S. Bancorp Asset Management, Inc.
Close Main Menu

Close Estás ingresando al nuevo sitio web de U.S. Bank en español.

Estás ingresando al nuevo sitio web de U.S. Bank en español.

EN

Verás el ícono EN en los enlaces que te llevarán a páginas web que por el momento solo están disponibles en el sitio web de U.S. Bank en Inglés.

Continuar

Can you overdraft a debit card with no money?

If you choose to opt in to debit card and ATM overdraft, you are usually allowed to make ATM withdrawals and debit card purchases even if you do not have enough funds at the time of the transaction. However, you will generally incur fees on transactions that settle against a negative balance later.

Can I overdraft my U.S. Bank safe debit account?

Overdraft coverage No. Overdraft services are not available with the Safe Debit Account. U.S. Bank will not authorize or pay overdrafts on ATM and everyday debit card transactions. These transactions will be declined if there is not enough money in your account, and you will not be assessed overdraft fees.

What's the most you can overdraft with U.S. Bank?

How much are U.S. Bank's overdraft fees? Under standard overdraft coverage, U.S. Bank charges a $36 overdraft fee per transaction with a maximum of 4 charges per day – up to $144. Under overdraft protection, you will not be charged overdraft fees if your account is overdrawn by $5 or less.

How long does it take for U.S. Bank to overdraft?

The Overdraft Fee Forgiven period starts the first day the Available Balance becomes negative and the account was charged an Overdraft Paid Fee(s). Please note: If you were not charged an Overdraft Paid Fee(s), the period will not start. For example, on Wednesday the Available Balance is $10.