Digital Banking Guides

How to apply

1. Log in to the mobile app.

2. You can access the application in 2 ways

Option A:
From your eligible chequing account: My Accounts > Account Details > Overdraft Protection
You will see the option to apply for Overdraft Protection on your account details page. 

Option B:

• Select More in the bottom navigation and from the list select Products and services.
• From the product and services list, select Add product. This will direct you to the Add product pages, where you will see Overdraft Protection as one of the options. 
  
  

3. Confirm your information

You’ll be prompted to verify your contact details and employer address.

4. Complete your application:

• Select/ confirm the eligible account
• Choose your Overdraft limit ($500, $1,000, or $1,500)
• Choose your plan type:
  • Monthly Plan: Flat monthly fee
  • Pay-Per-Use: Only pay when you use ODP (not available for Québec residents)
• Complete the regulatory requirements, including consent for a credit check. 
  
  

5. Review & submit

You’ll see a summary of your choices and must confirm before submitting the application.

Once your application has been submitted, we’ll evaluate your application on the spot and let you know if you qualify for Overdraft Protection.

If your application is successful

Your Overdraft Protection will be applied immediately to your selected account
You’ll receive confirmation within digital banking and by email

If you’re not eligible, you’ll see a  declined message. For information on why your application was declined, please visit your branch or call our Contact Centre 1.877.560.0100.