You can choose to turn Overdraft Protection on and off as needed by:
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Selecting 'More' from your Checking and Savings homepage
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'Overdraft'
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Then select "Yes" or "No" to toggle it on or off.
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.
Please note: If Overdraft Protection is not enabled, only your available spending balance will be used to cover your transactions.