We have an automatic fail-safe mechanism that kicks in if a Qapital transfer will leave your funding account with less than $100 in it.
The overdraft fail-safe is put in place to help prevent overdrafts, but it will not work 100% of the time due to the nature of ACH transfers. It is important that you don't rely solely on this tool and always make sure you have enough funds in your external funding account to cover the transfers to Qapital (or pause the account if you don't). Qapital will not be responsible for overdraft / insufficient funds fees charged by your financial institution.
The fail-safe cannot be disabled or adjusted, and you’ll need to have enough funds above the fail-safe threshold in the external account in order to make a deposit into Qapital.