Cash App Overdraft: How to Overdraw Your Cash App Card [Without Fees]

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You use Cash App to pay for things and get paid. We’re talking about brunch, your share of the rent, movie tickets… ya know, regular life stuff.

But odds are you’re also short on funds from time to time.

Life can be expensive and unplanned expenses have a way of popping up at the worst possible time. So, whether you need fast cash now, or you’d like the flexibility of overdrawing your app, you’ve probably asked yourself the question “Can I overdraw my Cash App account?”

We’ll answer that question for you right now. 

Read on to find out whether you can overdraft your Cash App at the ATM or swipe with your debit card in hand. Plus, we’ll show you how to avoid pesky overdraft fees and manage your finances with fee-free ways to get cash when your Cash App balance is low.

What we’ll cover:

Can you overdraft Cash App?

No. You can’t overdraft Cash App on purpose but there are ways for your balance to go into the red. Cash App does not offer overdraft protection, but pending and secondary charges can push your account into a negative balance.

Can you overdraft Cash App Card?

No. Your Cash App Card is prepaid so you have to have the funds in your account to withdraw and spend money. Since Cash App doesn’t offer optional overdrafts, you can’t get more out of your bank account than your available balance. However, your Cash App balance can be pushed into the red and cause you to incur fees.

However, you can link a bank to your Cash App account to quickly load funds onto your Cash App Card. If you authorize Cash App, in either a single or recurring transaction, to debit your linked bank account, this may trigger an overdraft in your linked account.

What’s the takeaway here?

You can’t use your Cash App Card to willingly overdraw on purchases or ATM withdrawals. By authorizing funds to be moved from an eligible bank account to your Cash App account, you may end up overdrawing your linked account. To avoid an unwanted negative balance (and the overdraft fees that come with it), keep reading for creative ways to top up your checking account so you’re not caught out.

What is a Cash App Card?

Your Cash App Card is a debit card tied to your Cash App account that works on the Visa network. 

Like most debit cards, you can swipe to make purchases in person or online, as well as withdraw money at ATMs. This card isn’t connected to your bank, just the app, so you’ll need funds in your Cash App virtual wallet if you want to spend them with your card.

If you’re looking to withdraw your funds, Cash App charges a $2 fee per ATM withdrawal (in addition to separate fees that may be charged by the ATM owner). However, for users who receive direct deposits of at least $300 per month, Cash App will reimburse ATM fees as well as any third-party ATM fees for up to 3 withdrawals per 31-day period.

As an added bonus, you can add your own personal flair and design your Cash App Card with colors, emojis and/or a signature to make it truly yours. To redesign your Cash Card, you’ll need to follow these steps:

  • Tap the ‘Cash Card’ tab on your Cash App home screen
  • Select ‘Design a New Card’
  • Follow the prompts

This optional feature costs $5 so you can flex your creative muscle without spending more than a few dollars.

Can I overdraw my Cash App card at an ATM?

No. Your Cash App Card is a debit card so you can only withdraw the funds you have. If you have insufficient funds in your Cash App account, you will be unable to make ATM withdrawals.

As per the Cash App Prepaid Card Program Agreement, as long as you have funds in your account, the maximum amount you can withdraw at an ATM (or POS device that bears the Visa mark) using your Cash App card is $1,000 per day, $1,000 per transaction and $1,000 per week.

ATM withdrawals in-network (the Visa ATM network) will incur a $2 surcharge. Yyou may also be charged a fee by the ATM operator.

Does Cash App charge overdraft fees?

No. With no overdraft facility, Cash App does not charge overdraft fees. If your account is negative you will have to deposit funds to clear your negative balance and be able to keep using Cash App to make purchases.

You can’t overdraw your Cash App Card on purpose. But there are two main ways for you to overdraft your Cash App and send your balance negative. These include delayed transactions and secondary charges. These overdrafts are automatic and cannot give you funds on request.

  • Delayed Transactions: Charges that appear on your account long after purchase may push your balance into the negative. For example, you purchase from your favorite online retailer but the charge is not processed until your order ships. If you’ve spent down your Cash App balance to zero before the product is delivered, you can end up with a negative balance.
  • Secondary Charges: Late and secondary charges can send your account balance negative. For example, a restaurant may put a temporary hold on your account when you ask for the check, and then process it later with the tip included. If you don’t have sufficient funds to cover the tip, your balance can go into the negative.

Cash App’s overdraft policy explained

The bad news for you is that a quick Google search for “can I overdraft my cash app card?” returns a seriously mixed bag of results. The good news is that it takes a special kind of individual to enjoy reading financial app terms and conditions… and lucky for you we’re a team made up of those individuals!!!

The majority of articles online regurgitate the same information (without checking its legitimacy) which can leave you with incorrect information. So here’s what Cash App’s terms of service state in regards to overdrafts:

“We currently do not offer overdraft or credit features.”

Yep. Short and sweet. But that doesn’t mean you’re stuck without the funds you need. Read on for the best ways to top up your checking account when your Cash App balance is empty.

How to avoid Cash App overdrafts

You can’t overdraw your Cash App account on purpose which means it’s a good idea to have a backup plan when you need a few extra dollars.

Using cash advance apps, you can access the funds you need before your next paycheck arrives, so you don’t need to stress about overdraft fees or your Cash App balance. We’ve written the definitive guide on cash advance apps (click below to check it out). But we’ve rounded up the clear standouts below.

Find Out More >>> Best Cash Advance Apps of 2022

Albert – $250 cash advances + $150 bonus just for signing up

Albert $250 cash advance

The Albert app can help you out of a cash shortage with fee-free cash advances up to $250 – which it calls Albert Instant – with zero interest and no credit checks. You can borrow up to three cash advances per pay period, though you’ll need to pay back your outstanding loan before accessing another one. 

You don’t need to move your direct deposit to access cash advances. So, if you love the bank you’re with, you can enjoy the best of both worlds. However, you can create a bank account through Albert, known as Albert Cash. This lets you access your paycheck two days early and get nearly instant access to your cash advances.

With extra tools to help you manage your money from spending tracking to budgeting and savings goal support, you’re not just getting quick cash but personalized financial advice to help you better stay on top of your finances.

As a final cherry on top, Albert offers a $150 bonus for trying it out, so you can get started with money in your account!

Try Albert and claim a $150 new account bonus >>> Get Started with Albert Now

Earnin – access up to $500 of your wages before payday

How does Earnin work

Earnin lets you get paid early any time you have earnings. While other apps give you access to cash one or two days before payday, Earning gives you your wages when you need them (it’s possible to access your wages within minutes).

With Earnin’s Cash Out feature, you can earn your way up to $100 per day and $500 per pay period. This means less stress and more paying for the things you want. And with Earnin’s Lightening Speed feature your cash is sent directly to your bank account, usually within minutes.

If you’re worried about hidden fees or charges, it’s nice to know Earnin has none. At all. Using the service is free, with tips optional. According to Earnin “tips do not affect your pay period withdrawals” so you can cover your expenses without sinking into fees and account charges.

Here’s an example of how Earnin can make any day payday.

Your account balance is empty but there’s a $200 sale on your favorite brand of sneakers. Instead of missing out or overdrafting your checking account (and being charged sky-high overdraft fees), you use Earnin to request $200 in wages early. Earnin moves the money to your bank account in minutes, with no fees! And you walk away with a pair of new shoes while your next paycheck covers your short-term cash advance.

It only takes a few minutes to create a new Earnin account. With no need to switch banks, you can start using the Cash Out feature as soon as you’re set up and verified. 

Access the money you earn when you need it >>> Download Earnin 

PockBox – connect with lenders for a quick loan up to $2,500

Pockbox app homescreen

PockBox is a cash advance app that can put up to $2,500 in your pocket… in minutes. 

A popular cash advance app, PockBox compares and connects you with lenders who are suitable for you. This makes it easy to secure a loan even if you have poor credit with an approval process that is simple, straightforward and takes just a few minutes out of your day to answer some simple questions.

This option can help you avoid the stress of “ah, I think my Cash App balance is empty but I need cash now!”

To get started, fill out some basic information about yourself. The PockBox app will connect you to the best lender possible. Starting your day with an extra $2,500 is that simple.

Put $2,500 in your pocket FAST >>> Check out PockBox now

Is Cash App safe?

Yes. Cash App is a legitimate app that benefits from layered security systems. Customer information is encrypted, and card processing systems comply with the PCI Data Security Standard (PCI-DSS).

If that’s more jargon than you care to handle (we don’t blame you), it just means that, as a P2P payment app, you can quickly send, receive and invest money with confidence. And, with more than 10 million installs so far, Cash App appears to be a decent and popular alternative to PayPal and Venmo

Final thoughts and what to do next…

If you need to send and receive money quickly and want to avoid paying fees, then Cash App could be a handy solution for you – though you won’t be able to overdraft your Cash App Card in an emergency.

We encourage you to check carefully that the app is right for you if you find yourself in need of urgent or semi-regular funds. Apps like Albert, Earnin and PockBox mean you can still get the cash you need (without the fees) and use your Cash App Card only when you know it’s loaded with funds.

Take the time to compare your options and choose the app that helps you meet your financial obligations without trapping you in a cycle of debt and overdraft fees. That’s how you stay on top of your money.

*The information above is correct at the time of publishing – we hope you find it useful.

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