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Have questions? Our NEW Help Center is the fastest way to get answers to top questions and more!

Have questions? Our NEW Help Center is the fastest way to get answers to top questions and more!

Unlock overdraft protection up to $200

with opt-in and eligible direct deposit** Activated, chip-enabled debit card and opt-in required. $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more about Overdraft Protection (PDF).

ATM withdrawals and bill payments made within the app are not covered by overdraft protection

Open an account

Already have a Chirp account? Log in to opt-in to overdraft protection

The amount of coverage is based on your direct deposits

You have 24 hours from the authorization of the first transaction that overdraws your account to bring your account positive to avoid a $15 fee

Basic

Receive a single direct deposit of any amount to your account. No fee.

Receive a single direct deposit of any amount to your account. No fee.

Premium 100** Premium 100 allows for a maximum of 10 overdrafts in a monthly statement period.

When you receive at least 2 direct deposits totaling $200+ in a 35 day period.

When you receive at least 2 direct deposits totaling $200+ in a 35 day period.

Premium 200** Premium 200 allows for a maximum of 10 overdrafts in a monthly statement period.

When you receive at least 2 direct deposits totaling $400+ in a 35 day period .

When you receive at least 2 direct deposits totaling $400+ in a 35 day period .

Your coverage is automatically adjusted based on your direct deposits

 

How it works

Set up and receive direct deposits

Opt in for overdraft protection

We’ll automatically cover purchase transactions that exceed your available balance

Activated, chip-enabled debit card required to use Ingo Money check cashing service. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. Limits apply. Approval 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 data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details.

Premium 100 allows for a maximum of 10 overdrafts in a monthly statement period.

Premium 200 allows for a maximum of 10 overdrafts in a monthly statement period.

* When on a desktop, hover over * to view important disclosures. When on a mobile device, click on * to view disclosures.

Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Mobile number verification, email address verification and mobile app are required to access all features. See Chirp Deposit Account Agreement (PDF) and Chirp Secured Credit Cardholder Agreement and Security Agreement (PDF) for fees, terms and conditions.

Cards issued by Chirp, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association.

Chirp also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with Chirp and have not sponsored or endorsed Chirp products or services.

Neither Chirp, Green Dot Corporation, Visa U.S.A. nor any of their respective affiliates are responsible for the products or services provided by Ingo Money, Q2 Software, Plaid, or any eGift Card merchants. Partner terms and conditions apply.

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

Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

©2021 Chirp. Chirp is a trademark of Green Dot Corporation. All rights reserved.