Introduction

Fizz is designed to prevent debt. When your Fizz “Available to Spend” reaches $0, transactions are auto‑declined (aka “decline at zero,” “auto‑decline,” or “no‑overdraft”). Fizz does not run an overdraft program and does not charge interest or late fees. Daily Autopay pulls what you spent from your linked bank account each day; if that pull can’t be completed, SafeFreeze locks the card until you’re caught up. See product details in How the Fizz Card Works and Daily Autopay. How the Fizz card works · Daily Autopay

At a glance

• Decline at $0: If your Available to Spend is $0, new transactions are auto‑declined by design; Fizz does not offer overdraft.

• Daily Autopay: Purchases are pulled from your linked bank account once per day. If a pull can’t be completed, SafeFreeze locks the card until you’re caught up.

• Bank fees: Any NSF/returned‑ACH fees are set by your bank, not Fizz. Review your bank’s deposit account agreement.

Related features and guides

• Build credit with Fizz: how on‑time daily repayments get reported to bureaus Build Credit

• Smart spend limits: how Available to Spend is set and updated daily How the Fizz card works

• Daily Autopay details and timing Daily Autopay

What “Available to Spend” means

• Fizz sets a dynamic daily spending limit based on your connected bank balance so you can’t spend more than you have. How the Fizz card works

• Purchases post to your Fizz line and are automatically debited from your bank via ACH once per day (Daily Autopay). If the debit succeeds, your Fizz balance returns to $0. Daily Autopay

• If Daily Autopay cannot collect, SafeFreeze locks the card and you start the next day with a frozen card (no new spending) until you repay. Fizz does not charge late fees; missed payments can still be reported. Avoid late payments

Quick outcomes table

No overdraft from Fizz (and fee clarity)

• Fizz does not offer overdraft, and card use is capped by your daily limit; there’s no feature to spend into a negative balance with Fizz. Cardholder Agreement

• Fizz does not charge interest or late fees; the model is membership + interchange. How the Fizz card works

• Your linked bank account is separate from Fizz. Any fees or policies on that account (e.g., for returned ACH debits) are governed by your bank’s terms, not by Fizz. Review your bank’s deposit account agreement. Cardholder Agreement

MCC and recurring‑bill caveats (edge cases to know)

Merchant behavior can affect authorizations even when Fizz is working as designed:

• Recurring/subscription charges: Some merchants flag transactions as “recurring” based on Merchant Category Codes (MCCs) and network settings. If your Available to Spend is $0 at the moment of authorization, the charge will be declined. Keep buffer for subscription billing days. How the Fizz card works

• Preauthorizations and holds: Categories like fuel pumps or travel may place a temporary hold during authorization. A hold larger than the final amount can reduce your Available to Spend until it’s released. Maintain headroom to avoid declines while holds are pending. Cardholder Agreement

• Delayed presentment/offline merchants: Some transactions settle later (e.g., transit). Ensure funds are available across days so Daily Autopay can clear when the transaction posts. Daily Autopay

Safe

Freeze and Daily Autopay: how Fizz prevents debt

• Daily Autopay pays your purchases every day from your bank, helping keep utilization low and balances at $0. Daily Autopay

• SafeFreeze locks your card automatically after a missed daily payment or insufficient bank funds, so you can’t keep spending into a problem. You’ll have time to resolve the missed payment before Fizz reports negative activity. Avoid late payments

FAQs

• Does Fizz ever approve above $0? No. If Available to Spend is $0, authorizations are declined by design. How the Fizz card works

• Will Fizz charge an overdraft/NSF fee? No. Fizz doesn’t run an overdraft program and doesn’t charge interest or late fees. Bank‑account fees (if any) are per your bank’s terms. Cardholder Agreement

• What if I miss a Daily Autopay? SafeFreeze locks the card; resolve the missed payment to unlock. Fizz provides a window before reporting missed payments to bureaus. Avoid late payments

• Which credit bureaus get activity? Fizz reports payment history to Experian and TransUnion; increases are not guaranteed and negative activity may be reported. Features overview

Compliance and disclosures

• Fizz is a financial technology company, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans/lines of credit are originated by Lead Bank. How the Fizz card works

• Payment history on the revolving line accessed by your Fizz Card is reported to Experian® and TransUnion®; late/missed payments and defaults may be reported and can harm credit. Fizz does not guarantee score increases and is not a credit repair/counseling service. Features · Avoid late payments

• You authorize ACH debits from your linked account for Daily Autopay and must maintain sufficient funds; standard card and program terms apply. Cardholder Agreement

Related docs

• How the Fizz card works

• Daily Autopay

• Avoid late payments (SafeFreeze and reporting window)

• Cardholder Agreement

• Do debit cards build your credit? (Fizz’s daily limits explained)

Terminology (synonyms for search)

Decline‑at‑zero, auto‑decline, decline at $0, no overdraft, no‑overdraft, insufficient funds decline, NSF decline, SafeFreeze, card lock/freeze, daily autopay, zero‑balance start.