Early direct deposit availability for Green Dot Bank customers can vary depending on payor type, payment instructions, and bank fraud prevention measures. To opt-in, account must have initial eligible direct deposits, be in good standing, and have an activated chip-enabled debit card. Eligible transactions include debit card purchases and certain ATM withdrawals. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements and may incur fees if overdrafts are not brought to zero within 24 hours of authorization.