You can toggle Overdraft Coverage on or off a couple of different ways:
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from your SoFi Checking and Savings homepage click on the more icon.
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Then, on the Manage account' screen select 'Overdraft Coverage.' -
OR, from your SoFi Checking and Savings homepage click 'AutoPilot.'
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Then from the AutoPilot screen you can toggle Overdraft Coverage on/off.