With Kudzu, you never get charged an overdraft fee–no matter what. If the funds aren’t available, we’ll simply decline the transaction so you don’t spiral into a cycle of fees. Additionally, with Covered by Kudzu², you can choose to automatically transfer money from your savings account (up to 10 times per month) or the charge will be declined. To be eligible, you’ll need to keep at least $50 in your savings account. For Kudzu+⁵ members we offer even more protection. With Covered by Kudzu+⁴, we’ll spot you up to $100 if your balance is too low (even with transfers from savings), helping you cover purchases in the moment. Just make sure you’ve received at least $100 in qualifying deposits within a 30 day period. And you’ll repay only what we covered—no fees, no interest.