A transaction met or exceeded the overdraft transaction-level de minimis, and a grace-period timer started. The timestamp field indicates the start of the grace period. If there is an overdraft fee, the account holder can move funds into the account to pay the full amount of the overdraft during the grace period, and the overdraft fee is eliminated.

  • CodeODGP
  • Event trigger — A transaction meets or exceeds the overdraft transaction-level de minimis and an overdraft fee may apply, starting the grace period timer.
  • Process — This process contains the event trigger:
    • Authorization request over a card 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: "ODGP"


Overdraft amount authorized when a transaction exceeds the core account balance. Example: "61.23".

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"


Minimum overdraft amount to assess an overdraft fee. If od_amt meets or exceeds this, an overdraft fee may be assessed. Example: "5".



# overdraft_start_grace_period example:
  "balance_id": "20211",
  "method": "AccountEvent",
  "msg_event_id": "243693",
  "msg_id": "ODGP",
  "od_amt": "61.23",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "timestamp": "2025-01-31 17:20:33 MST",
  "trans_deminimis": "5",
  "type": "overdraft_start_grace_period"