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

  • CodeODNB
  • 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


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"


Unique Galileo-generated identifier for this message. Example: "243693"


The four-letter code to identify this event. Example: "ODNB"


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"


# overdraft_negative_balance example:
  "balance_id": "20211",
  "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"