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If a customer attempts to make a transaction that exceeds their available balance and has not opted-in to Overdraft Protection, the transaction will be declined. However, if the customer has opted-in to Overdraft Protection or meets certain criteria (more on this later), Green Dot will cover the transaction and charge a fee.

The Green Dot overdraft fee is $35 per occurrence. This fee is charged when a customer makes a transaction that exceeds their available balance and Green Dot covers the transaction.