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What happens if I go over my overdraft limit?

If you go over your overdraft limit, we refer to this as an 'Unarranged overdraft'. Information on the charges for this service can be found on our overdrafts page.

If we have a mobile number registered for you, we'll send you overdraft text alerts when you go into or are about to go into an arranged or unarranged overdraft. We'll also send alerts if you have payments due that may not get paid.

Find out more about the Overdraft Alerts Service.

If you have opted into Everyday Rewards and you go over your arranged overdraft limit on your nominated account, you will not earn rewards that month.

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Related Articles

  • How often will I receive overdraft text alerts?

    If we have a mobile number registered for you, we'll send you overdraft text alerts when you go into or are about to go into an arranged or unarranged overdraft. We'll also send alerts if you have payments due that may not get paid.
    Learn more

  • Can I opt back into receiving overdraft text alerts if I have opted out?

    : Yes, you can opt back into receiving overdraft text alerts at any time.
    Learn more

  • Are overdraft text alerts secure?

    Yes, they are secure. The text message will come through with the name ‘Co-optiveBk’ as the sender and we’ll only include the last four digits of your account number
    Learn more