A core account has drawn on its overdraft account for the first time since the available core balance was positive. If the available core balance is already negative, and a transaction draws on the overdraft account, this event is not triggered; instead, the ODAA: overdraft_authorization event is triggered.

When the overdraft is paid off and the available core balance is zero or higher, this event will be triggered again the next time the core account draws on overdraft. For more information see Overdraft Workflows

Code — ODNB
Event trigger — The core account is driven negative by an authorization for the first time after being positive.
Process — This process contains the event trigger:
- Authorization request over a payment network's rails

Fields

All fields are strings. Your field names may vary. Default fields are included in the default webhook template. See Default and optional fields for more information.

Field	Default	Description
balance_id	X	The balance ID, also called the `galileo_account_number`. Example: `"20211"`
ch_group_id		Corporate Hierarchy group identifier. Example: `"2544"`
msg_event_id		Unique Galileo-generated identifier for this message. Example: `"243693"`
msg_id		The four-letter code to identify this event. Example: `"ODNB"`
od_f_open_to_buy		Available overdraft balance minus pending fees. Example: `"120.00"`
od_open_to_buy	X	Available overdraft balance. Example: `"340.00"`
pmt_ref_no	X	Galileo 12-digit payment reference number (PRN) for the account. Example: `"999101003022"`
prod_id	X	The product ID of the account. Example: `"1701"`
prog_id	X	The program ID of the account. Example: `"305"`
timestamp	X	Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: `YYYY-MM-DD hh:mm:ss MST` Example: `"2025-01-31 17:20:33 MST"`
type	X	The name of this event: `"overdraft_negative_balance"

Example

# overdraft_negative_balance example:
{
  "balance_id": "20211",
  "ch_group_id": "2544",
  "msg_event_id": "243693",
  "msg_id": "ODNB",
  "od_f_open_to_buy": "120.00",
  "od_open_to_buy": "340.00",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "overdraft_negative_balance"
}