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How to Apply for an Overdraft at Tangerine: A Comprehensive Guide

When it comes to personal banking, having the option of overdraft can be a lifesaver. It gives you flexibility and peace of mind, knowing you have a safety net in case of unexpected expenses. Overdraft application at Tangerine Bank can be done through different avenues: Online Banking, Mobile App, or by calling their customer service. In this comprehensive guide, we will take you through each method step-by-step, ensuring that you will be well-prepared when applying for overdraft at Tangerine Bank.

1. Applying for Overdraft Through Online Banking

If you are already comfortable with online banking, applying for an overdraft with Tangerine through this platform will be a breeze. It's straightforward, convenient, and can be done from the comfort of your home. Here’s how:

• First, log into your Tangerine account, and navigate to the 'Services' section.
• Under the drop-down menu, select 'Overdraft Protection'.
• Check the box to express interest in having overdraft protection and click 'Continue'.
• Confirm your details on the following page and click 'Submit'.
• Upon submission, you'll receive an email confirmation. Tangerine will review your appliction and inform you if it's been approved.

2. Applying for Overdraft Through the Mobile App

For those who prefer managing their finances on the go, Tangerine’s Mobile App is the perfect solution. The app is user-friendly, secure, and efficient. Here's how you can apply for Overdraft through it:

• Launch the Tangerine Mobile App on your device.
• Log into your account using your credentials.
• Go to the 'Services' tab at the bottom of the screen.
• Scroll down and tap on the 'Overdraft Protection' button.
• Enter the required details and tap on 'Continue'.
• Follow the prompts to complete and submit your application.
• You'll receive a notification upon successful submission and another one after Tangerine reviews your application.

3. Applying for Overdraft by Calling Customer Service

If you're more comfortable speaking to a representative, you can call Tangerine's Customer Service to apply for an overdraft. This is beneficial for those who prefer one-to-one interaction or need immediate queries answered. Here's how:

• Prepare your account details and personal information.
• Call Tangerine's Customer Service at 1-888-826-4374.
• Once connected, request to apply for overdraft protection.
• The representative will walk you through the application process, asking for necessary details.
• Upon providing all details, the rep will submit your application for review.
• They will confirm submission and discuss the next steps with you.

To sum up, Tangerine Bank offers various convenient methods for applying for overdraft. Whether you prefer online banking, mobile banking, or speaking to a customer service representative, Tangerine has got you covered. Remember, even though overdraft protection can be useful, it is important to manage it responsibly to avoid high fees and it should not be seen as an extension of your income. Happy banking!