What is the Optional Debit Card Overdraft Service1?


This service works a lot like overdraft protection on a traditional checking account. It's meant to provide emergency coverage for purchases that overdraw an account. Optional Debit Card Overdraft Service1 may allow eligible customers to make debit card purchases or ATM withdrawals that exceed their Account balance. It may also allow customers to make retail purchases that would otherwise be declined due to Account balance. Coverage is approved on a case-by-case basis.

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How Overdraft Service Works


An overdraft occurs when you don't have enough money in your Account to cover a transaction, but we choose to pay it anyway. 

To use this service, you should first opt-in and meet the requirements. Remember: you have the choice to opt-in, and you can choose to opt-out at any time.


How to Avoid Overdraft Fees

Each time your Flare Account is overdrawn by more than $10, you'll be charged a fee. However, you can avoid that fee by repaying the overdraft amount within 24 hours of the first transaction that creates the overdraft. We call this a "Grace Period".

You may choose to visit an ACE Cash Express location to add the money to your account or deposit money into your account through a bank transfer.


Prefer Not to Deal With Overdraft Fees?

The overdraft service1 offered with our Flare Account debit card is 100% optional. You can opt-in or opt-out at any time in your Online Account Center or in the app.

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