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. 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: "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: "2025-01-31 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": "2025-01-31 17:20:33 MST",
  "type": "overdraft_opt_in"