Overdraft
Service 1 only
when you need it

You need options. We get it. Porte's optional Overdraft Service with Overdraft Choice2 allows you to turn it on when you need it and off when you don't.

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Overdraft Service1 with Porte®

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Maximum of 5 overdrafts charged per month

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Lower overdraft fees than average3

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24 hours to pay back your balance with no fee1

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We'll spot you up to $10 for no fee

Overdraft Service is your choice

With Porte, you have full control over your Overdraft Service. Use Overdraft Choice2 to turn it off and on. When Overdraft Choice is turned ON, transactions greater than your available balance may go through, subject to terms.

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How toabsolute image - Home use Porte’s Optional Overdraft Service1

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Opt-in to Overdraft Service

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Use Overdraft Choice when you need it

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Maintain your qualifying Direct Deposits

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Opt-in to Overdraft Service

Opt-in to Overdraft Service and meet eligibility requirements, including receiving a qualifying Direct Deposit, to get started.

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Use Overdraft Choice when you need it

If Overdraft Choice is ON, transactions greater than your available balance may go through, subject to terms. If you turn OFF Overdraft Choice, we won’t approve any debit card transaction that is more than your account balance. Repay overdrafts within 24 hours to avoid overdraft fees.

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Maintain your qualifying Direct Deposits

Receive at least $200 in Direct Deposit every 30 days to remain eligible.

What else you can do to help prevent and manage overdrafts

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Know your current balance

Use the Porte mobile banking app to keep track of your available funds so that you don’t overspend.

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Set up Account Alerts

Get a push notification when your account balance is getting low or anytime your debit card is used.

Porte is a mobile finance app, not a bank. Banking services provided by Pathward®, National Association, Member FDIC.

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Does Overdrafting Affect your Credit Score

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Porte Team

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Porte is a mobile finance app, not a bank. Banking services provided by Pathward, National Association, Member FDIC.
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Questions?

An overdraft fee is a fee that a bank or credit union charges you when a purchase or other transaction exceeds the available balance in your spending account. Overdraft fees can be charged on in-store purchases, online shopping, bill payments, and cash withdrawals. Learn more about overdraft fees on our blog.


The Optional Overdraft Service1 is Porte’s overdraft service feature. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each one-time debit card transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid the overdraft fees, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your negative account balance back to a zero ($0.00) or a positive balance.


Overdraft Choice2 is the feature that allows you to turn the optional Overdraft Service on and off. When Overdraft Choice is turned ON, the Optional Overdraft Service is enabled, and transactions greater than your available balance may go through, subject to terms. When Overdraft Choice is turned OFF, your purchases will be declined if there are insufficient funds in your account to cover the purchase.

You must be enrolled and eligible for the Overdraft Service to use Overdraft Choice within the Porte mobile banking app. 

Porte is a mobile finance app, not a bank. Banking services provided by Pathward, National Association, Member FDIC.


You may enroll in the Overdraft Service under Account Info in the user profile. You must receive Direct Deposits totaling at least $400.00 to your Account within thirty-five (35) days of your enrollment in the Service (Direct Deposits received prior to enrollment count towards this total). You MUST have a positive Available Balance in your Account at the time we activate the Service on your Account. Once you have met all eligibility requirements, your participation in the Service will be activated within twenty-four (24) hours. Once the Service is activated on your Account, you MUST continue to receive Direct Deposits totaling at least $200.00 to your Account every thirty (30) days or we will deactivate your participation in the Service.


There is no fee to enroll in the optional Overdraft Service. However, you may incur fees when you use the service. Once you overdraft, if you bring your account back to a positive balance within 24 hours, no fee is charged. After 24 hours, you will be charged a $20 fee per transaction that overdrafts your account by more than $10.


You have 24 hours from the time your transaction posts to your account to pay back an overdraft transaction that settles and creates a negative balance greater than $10 before a fee is assessed. Let’s say that you overdraft your account by more than $10 at 2:00 p.m. on Thursday, then you have until 2:00 p.m. on Friday to add the funds into your account to avoid a fee.

Here are some options to bring your account back to zero or more to avoid paying an overdraft fee:

1) transfer money from your Savings Account to your Spending Account.

2) add cash in-person at an ACE Cash Express location for no fee when you meet Direct Deposit requirements,5

3) add cash at a Netspend network location,6

4) receive funds through Direct Deposit,

5) use Mobile Check Capture to add funds to your account,7

6) transfer money from a debit card,8 or

7) transfer money from another bank account.9


At our discretion, the Overdraft Service may cover debit card transactions and ATM withdrawals. The Overdraft Service will not cover ACH debit transactions or reoccurring debit transactions.


  1. The Debit Card Overdraft Service is an optional service made available to eligible PORTE customers by Pathward®, National Association. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Transactions subject to an overdraft fee are signature and PIN purchase transactions and ATM transactions. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Call us at 1-800-267-7080 or log in to your Mobile App for additional terms and conditions that apply, including initial and ongoing eligibility requirements for the service. This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service. amounts on your account even if you opt-out of the service.

  2. Overdraft Choice is available to customers enrolled in the Overdraft Service. By switching Overdraft Choice to “off”, you are requesting us to deny any transaction that may overdraw your account. Whether we pay any item presented on your account is still up to our discretion and you will remain liable for any negative balance on your account. See the Porte Agreement for more details. 

  3. According to BankRate’s checking and ATM fee study. More information can be found at https://www.bankrate.com/banking/checking/checking-account-survey/.

  4. IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.

  5. Add money fee is waived at participating ACE Cash Express locations if you have received a qualifying direct deposit (no dollar minimum) within the immediately preceding thirty-five (35) days. Offer subject to change. See store for details. Porte uses the Netspend Network, which is provided by Ouro Global, Inc. Ouro Global, Inc. is a licensed provider of money transfer services (NMLS ID: 932678). Ouro Global, Inc.’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Ouro Global, Inc. and other third parties in connection with use of the Netspend Network.

  6. The Netspend Network is provided by Ouro Global, Inc. and its authorized agents. Ouro Global, Inc. is a licensed provider of money transfer services (NMLS ID: 932678). Ouro Global, Inc.’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Ouro Global, Inc. and other third parties in connection with use of the Netspend Network. Fee may be assessed by reload location and may vary from location to location.

  7. Mobile Check Capture is a service provided by Sunrise Banks, N.A. and Ingo Money, Inc., subject to the Sunrise Banks and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your account. See your Deposit Account Agreement for details. Mobile Check Capture service is not available for use within the state of New York.

  8. Fees apply, see Account Agreement for details.

  9. Bank Transfer is a money transfer service provided by Ouro Global, Inc. (NMLS# 906983). See netspend.com/licenses.

  • Apple® and the Apple logo® are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

    Google Play and the Google Play logo are trademarks of Google LLC.

    Porte is a mobile finance app, not a bank. Banking services provided by Pathward®, National Association, Member FDIC. 

    Porte is a deposit account established by Pathward®, National Association, Member FDIC, and the Porte Debit Card is issued by Pathward, N.A., pursuant to a license from Visa U.S.A. Inc. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Card may be used everywhere Visa® debit cards are accepted.

    Porte is a registered trademark of Populus Financial Group, Inc.

    Populus Financial Group, Inc. engages in money transmission services as an authorized delegate of Ouro Global, Inc. (NMLS ID: 932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses

    © 2024 Ouro Global, Inc. 

    Copyright © Populus Financial Group, Inc. 2024. All rights reserved.