Methodology

We closely examined more than ninety financial institutions and financial service providers, including the biggest banks in the United States according to assets, internet search traffic, and other metrics; the biggest credit unions in the country according to membership and assets; and other prominent and/or up-and-coming players in the market. We evaluated them based on a number of factors, such as fees, minimum balance requirements, digital experience, and annual percentage yields.

Among the financial providers and entities questioned are:

Affirm, Alaska USA Federal Credit Union, All America Bank, Alliant Credit Union, Ally Bank, Amalgamated Bank, America First Credit Union, American Express National Bank, Andrews Federal Credit Union, Associated Bank, Axos Bank, Bank of America, Bank of the West, Bank5 Connect, Bank7, Barclays, Bask Bank, Bethpage Federal Credit Union, BMO, BMO Alto, Boeing Employees Credit Union, Bread Savings, BrioDirect, Capital One, Charles Schwab Bank, Chase, Chime, CIBC U.S., CIT Bank, Citibank, Citizens, Citizens Bank, City First Bank, Climate First Bank, Commerce Bank, Community First Credit Union of Florida, ConnectOne Bank, Connexus Credit Union, Consumers Credit Union, Current, Delta Community Credit Union, Discover Bank, E*TRADE, Fifth Third Bank, First Foundation, First National Bank, First Republic Bank, First Tech Federal Credit Union, Flagstar Bank, FNBO Direct, GO2bank, Golden 1 Credit Union, Greenwood, Hope Credit Union, Huntington Bank, Industrial Bank, Ivy Bank, KeyBank, Lake Michigan Credit Union, LendingClub Bank, Liberty Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Nationwide (by Axos), Navy Federal Credit Union, NBKC, One, OneUnited Bank, Pentagon Federal Credit Union, PNC, Popular Direct, PurePoint Financial, Quontic Bank, Regions Bank, Revolut, Salem Five Direct, Sallie Mae Bank, Santander Bank, Scarlet, SchoolsFirst Federal Credit Union, Securityplus Federal Credit Union, Security Service Federal Credit Union, Self-Help Credit Union, Service Credit Union, SoFi, State Employees’ Credit Union of North Carolina, Suncoast Credit Union, Synchrony Bank, TAB Bank, TD Bank, TIAA Bank, Truist Bank, U.S. Bank, UFB Direct, Union Bank, Upgrade, USAA Bank, Varo, Vio Bank, Wells Fargo and Zynlo Bank.

How much will Chase let me overdraft?

If you use Chase Overdraft AssistSM and are overdrawn by $50 or less at the end of the business day, we won’t charge you an overdraft fee. If you are overdrawn by more than $50 and you bring your account balance to $50 or less at the end of the following business day, you have until 11 p.m. ET (8 p.m. PT) to make a…

Can I overdraft $200 on GO2bank?

When your balance is off, don’t worry as much. When you set up eligible direct deposits and opt-in**, you can use the GO2bank debit card to get up to $200 in overdraft protection. Opt-in is necessary. To opt in, your account must be in good standing and have your chip-enabled debit card active.