Rivo Autopilot is designed to reduce overdraft risk, not eliminate it. We use buffers, the minimum bank balance you set, and move money back into your account before your bills are due to keep routine spending covered. Rivo only moves money it identifies as truly idle. But we can't guarantee an overdraft will never happen: unexpected charges, timing changes, or your own spending can still outpace it, and your bank's own overdraft policies still apply. If you ever do run into an overdraft, reach out and we'll look into what happened. You can adjust your minimum bank balance or pause automation anytime.
Can Rivo cause me to overdraft?
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Written by Rebecca