We’ve all found ourselves with barely a few dimes in our bank account – and sometimes considerably less than that. This site is dedicated to helping you figure out how to still pay a bill, make a small purchase or access some cash – while hopefully avoiding the punitive fees that most banks charge you for doing so.
Yeah, maybe you’ve spent a bit recklessly or really need to start sticking to a budget.
Or maybe you have an unexpected or unavoidable expense that can’t be put off.
You could be having a good time and figure what the hell, let’s spend a little extra and sort it out later.
Or life has simply happened – you weren’t paying attention.
No matter how you got there, your bank account is on the wrong side of zero, which can create a multitude of problems for you including prohibiting you from making a purchase or getting cash that you need and incurring high fees from bounced payments. And if you access your bank account’s overdraft protection features, you’ll often incur overdraft fees that can quickly swell to a couple hundred dollars or more for simply overspending by a fraction of that amount.
Having your account overdrawn is not a good place to be. There is some good news, though. Increased scrutiny and regulatory pressure have forced banks to become much more transparent about their overdraft policies, and they’ve created some loopholes (and a few new products) that can help you reduce or even avoid fees if you know how to work the system. There is also a new generation of fin-tech apps built around overdrafts that makes it easy to access some extra cash for a few days, at low or no cost.
Overdraft Apps is dedicated to helping you identify the tools and tricks that can help you conveniently get the cash that you need, often with low or no fees.
Knowledge is power, and if you understand how overdrafts work you’ll know the best routes to accessing funds even when your account is below zero. Our ultimate guide is the place to start – what is an overdraft?
Recently open a new account and don’t yet have much in your emergency fund? Learn which banks will let you overdraft right away.
Overdrawn but need some cash? Here are ATMs that let you overdraft.
Banks don’t want to make it easy for you understand why they’re charging sky-high fees. Allow us to decipher part of the code, such as the cryptic tot odp swp cr memo.
Looking for an alternative to costly bank overdraft fees? Discover how you can quickly access some extra cash, sometimes at low or no cost, with our roundup of cash advance apps.
Mitchel Harad has over 20 years or experience in financial services at both banks (JP Morgan Chase) and upstart lenders (Lending Club, SocietyOne). He is passionate about educating consumers on how financial systems work to empower them to make informed and cost-effective decisions. During some challenging financial times, he paid thousands of dollars in overdraft fees at a time when he could least afford them – an experience he hopes to help others avoid.
Alexander J. Porter is an accomplished copywriter with over a decade of experience writing in the fin-tech, business, and technology space, and the Senior Editor of Overdraft Apps. Following a BA from the University of Sydney, he has worked as a writer and editor across a range of marketing, business, and finance platforms including Flying Solo (Australia’s largest community of solo business owners), and Empowered Finance.Passionate about simplifying complex topics, he believes everyone has the right to financial literacy and to learn to better position themselves to deal with emerging debt issues (even if he’s been guilty of splurging on online shopping during pandemic lockdowns).
Throughout this website, you’ll see recommendations and links to various products and companies. In some cases, we may earn a small fee if you use the links on our site to purchase or learn more about these products. We strive list the positives and negatives of any products that we mention on this website, but you should note that sometimes money does change hands if you follow our recommendations.
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