Covered by Ando™

Overdraft Protection You Can Count On... Up to $200 Worth!

With Covered by Ando™, you’re automatically protected from the hassle and embarrassment of overdrawing your account, up to $200¹. Plus, there are never any fees. So go ahead and swipe your Ando Visa® Debit Card as often as you like, knowing that Ando has you covered!

Blue Skies Ahead

No Pain, All Gain

Once enrolled, you’re automatically protected for up to $200 of overdraft protection with Covered by Ando™, and there are never any fees. It’s just one more reason that your Ando Visa® Debit Card could be the only card you’ll ever need!

It takes two to make a thing go right...

It takes two to make it outta’ sight! Covered by Ando™ & Early Pay™

Once enrolled in Direct deposit, you’ll be eligible for Covered by Ando™. You’ll be protected for up to $200 of overdraft (until your next direct deposit) - with no fees. Plus, you’ll get paid up to 2 days sooner when your paycheck is directly deposited with Early Pay™ ². Once you’re enrolled in Direct Deposit, you’re eligible for up to $200 of free overdraft protection with Covered by Ando™, and you can get paid up to 2 days sooner with Early Pay™ ². It’s just two more ways that Ando simplifies your everyday banking experience!

This is How We Do It

The Basics

Just enroll — and stay enrolled — in direct deposit, and receive $500 in qualifying direct deposits over the previous 31-day period.

How it Works

You’ll get a message when we’ve covered you from an overdraft (you have up to $200, with no fee). Once we receive your next direct deposit, we’ll simply deduct the overdrawn amount we covered. So swipe that card as often as you like, knowing your experience will be free of hassle and embarrassment!

You’re in Control

Turn overdraft on and off as needed (but since there’s never any fee for using it, you may just want to leave it on.)

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Get $15*
when you join Ando

Get up to $15* when you receive a qualifying direct deposit of $100 or more and use your debit card up to five times in the first 30 days—and discover how you can help fund a more sustainable tomorrow just by banking better. View Terms and Conditions