If you spend more money than what we have placed on the card account, but you have available funds at other accounts we manage, we'll automatically move over the money to cover the cost of your transaction. No fee. Real time.

We don't have the notion of 'overdraft'. Instead, we set up a special savings goal for each customer called an Emergency Fund. We automatically start saving a small amount each day towards the Emergency Fund. So, you might have $1,000 in your account and $500 in your Emergency Fund. If you then went to a store and spent $1,200, we would draw $1,000 from your Safe-to-Spend and an additional $200 from your Emergency Fund. Again, no overdraft fee. In fact, instead of paying a fee and then paying interest on the overdraft, you will be earning interest on any money in your Emergency Fund. A small tweak on how overdrafts typically work, but a huge bonus for customers.

I'm just here for the day. I came to town to speak at The Economist's banking conference. Flying back tomorrow to celebrate the launch with our team.