The Overdraft Protection feature allows general SoFi Savings funds to back up your SoFi Checking account spending and covers new transactions in the event your balance is insufficient. Overdraft Protection covers ACH withdrawals(bill pay, loan, or p2p payment), checks, or debit card transactions. You can choose to turn this functionality on and off as needed.
Please note that if Overdraft Protection is not enabled, only your available spending balance will be used to cover your transactions.