If you have a joint account, that account qualifies for a total of $50 in Overdraft Coverage as long as the total direct deposit amount in the account exceeds $1,000 over the preceding 30 days. In other words, as long as one of you sets up a direct deposit of $1,000 or more, you will both have Overdraft Coverage.
Please note, if either member disables Overdraft Coverage, it will be disabled for both members.