Unfortunately, Relay does not offer overdraft protection at this time. If a transaction attempt is made and your account does not have sufficient funds to cover the total amount of the transaction, the transaction will be returned.
We will never charge you a fee if a transaction is returned/cancelled due to insufficient funds.
Please note: if you wish to set up auto-transfer rules within your Relay account to automatically top up your checking accounts as needed, you may do so. Learn more about auto-transfer here!