With Overdraft Protection, funds are automatically transferred from your SoFi Savings account - General Savings available balance to cover a transaction if you are running low on funds.
With Overdraft Coverage, SoFi spots you money (up to $50) to cover a SoFi debit card transaction.
If you have Overdraft Coverage and Overdraft Protection on, funds will first be pulled from your SoFi Savings account - General Savings available balance before accessing Overdraft Coverage.