Our overdrafts are only open to those aged 18 or over and are subject to status and approval. You will have 28 days' notice before we take any overdraft fees from your account. When you apply for an account, we'll tell you if we can offer you an arranged overdraft, or you can apply for one after your account has been opened. The way that overdraft fees are charged for FlexDirect is different to FlexAccount, so if you're an existing customer swapping from FlexAccount to FlexDirect, please read this section carefully.