Usually, overdraft “coverage” refers to a service where the bank will allow a transaction to clear, even if you don’t have enough money in your account. The bank will charge you a fee for the “privilege” of overdrafting and still require you to bring your balance positive (including the fee). 

On the other hand, overdraft “protection” is a service where your spending account is connected to a savings account and funds are automatically transferred to cover overdrafts. If you don’t have enough money in your savings account, the charge will be declined until your balance is high enough to accept it. Some banks charge fees for this service, Kudzu does not. Covered by Kudzu™³ is a form of “overdraft protection,” not “overdraft coverage.”