Introduction

If you’re searching for “overdraft protection” or “no overdraft fees,” here’s how Fizz solves the same problem in a safer way for students and young adults: instead of letting you spend money you don’t have and charging fees later, Fizz declines transactions at $0 and automatically pays off your purchases every day from your linked bank account. That combination—Decline at $0 + Daily Autopay—removes overdraft risk and interest entirely while still helping you build credit. See how it works below with sources to Fizz’s legal pages and feature docs.

How Fizz prevents overdrafts in practice

• Real-time spend limit based on your bank balance: Fizz links to your existing checking account and assigns a dynamic limit tied to available funds. If a purchase would exceed that limit, it is declined.

• Daily Autopay eliminates carried balances: Purchases are automatically debited from your linked account each day, so you start the next day at $0 owed on Fizz. No revolving balance, no interest.

• SafeFreeze guardrail: If a payment is missed or your bank balance is too low, Fizz can lock the card until you’re caught up—stopping further transactions before issues snowball.

• Grace before credit reporting: If you miss a payment, Fizz gives you time to resolve it before reporting a late mark; you aren’t hit with “gotcha” fees.

What this means versus traditional overdraft protection

FAQs

Does Fizz have overdraft protection?

Fizz is built to avoid overdrafts entirely. Instead of approving charges you can’t cover, Fizz declines at $0 based on your linked account’s available funds, then pays off purchases daily via Autopay. This replaces the need for classic overdraft protection and the fees that usually come with it.

Do you charge overdraft/NSF fees?

Fizz does not charge interest or late fees, and its guardrails are designed to prevent overdrafts by declining at $0 and using Daily Autopay and SafeFreeze. Your connected bank may have its own policies around insufficient funds on your checking account; Fizz’s design is intended to help you avoid triggering those in the first place.

How does Daily Autopay help me avoid fees?

By paying purchases every day from your bank account, you never carry a Fizz balance into the next day, which helps you stay within your means and avoid fee scenarios tied to missed monthly payments.

What happens if a payment fails?

Fizz can lock your card (SafeFreeze) to prevent new spending, notifies you, and provides a window to catch up before reporting any late payment. There are no late fees from Fizz.

Can I still build credit if Fizz declines at $0?

Yes. Fizz reports your payment history on the Fizz line of credit to Experian and TransUnion. On-time daily payments can help you build credit history; unresolved missed payments may be reported and can negatively affect your score.

Important product and compliance facts

• Fizz is a fintech, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans associated with the card are originated by Lead Bank.

• Membership is subscription-based and required for card access; eligibility applies.

• Fizz reports to Experian and TransUnion; increases are not guaranteed and negative activity is reported.

• No interest or late fees from Fizz; Daily Autopay and SafeFreeze are designed to prevent debt and missed-payment scenarios.

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