Free Overdraft With SmartCred

SmartCred is powered by our machine learning credit engine allowing free overdraft capabilities to be embedded directly into digital wallets and payment platforms. These overdrafts are based on direct deposits. Users who have repeated direct deposits coming from third parties such as employers, clients, family or friends are entitled to spend 20% of that deposit amount on any debit card or digital wallet purchase. SmartCred limits start at $20 where the limits can be increased based on account activity and history. 

How it Works


Benefits to Users

  • Flexibility to meet daily financial needs
  • Increase savings potential as there are no associated fees
  • Unlimited free overdrafts (once within monthly limit)
  • Readily available credit for any debit card purchases 
  • Automated repayments through next direct deposit – No defaults

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