A core account is now participating in overdraft, or a core account has opted back in to overdraft. For more information see Creating an Overdraft Account.

  • CodeODIN
  • Event trigger — Account feature 17 changes to P (participating).
    The core account is created in a participating state because ODOPT is set.
    An overdraft account is created with ODOPT set.
    The core account opts in to overdraft after previously opting out of an existing overdraft account.
  • Processes — These processes contain the event trigger:
    • Program API endpoints:
    • Customer Service Tool
    • Galileo-hosted cardholder website


All fields are strings. Your field names may vary.

Field Required 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: "ODIN"

pmt_ref_no X

Galileo 12-digit payment reference number (PRN) for the account. Example: "155101003022"

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: "2023-01-29 17:20:33 MST"

type X

The name of this event: "overdraft_opt_in"


# overdraft_opt_in example:
  "balance_id": "20211",
  "msg_event_id": "243693",
  "msg_id": "ODIN",
  "pmt_ref_no": "155101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "timestamp": "2023-01-29 17:20:33 MST",
  "type": "overdraft_opt_in"