In order for the Fail-safe feature to operate, your external account will need to be verified with Qapital.
New accounts, accounts undergoing a funding account change, or accounts experiencing a connection error may not be in a verified status. Please be sure to monitor your deposits into Qapital, and be sure there are enough funds in your external account to cover to avoid the possibility of an overdraft.
Accounts will be verified automatically after a few transactions to or from Qapital are recognized by our system, no need to do anything on your end.
You can learn more about the Fail-safe here: https://support.qapital.com/hc/en-us/articles/360012066613-Fail-safe-and-Overdrafts