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.

Code — ODIN
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:
  - Create Account for the core account with ODOPT set.
  - Set Account Feature with featureType: 17 and featureValue: P.
  - Add Account for the overdraft account with ODOPT set.
- Customer Service Tool

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"`
extcustid		Identifier used to associate multiple accounts under the same customer. This identifier is supplied by the provider, not SoFi Tech Solutions. Example: `"acv#-@45!sbsxm%-"`
msg_event_id		Unique system-generated identifier for this message. Example: `"243693"`
msg_id		The four-letter code to identify this event. Example: `"ODIN"`
pmt_ref_no	X	SoFi Tech Solutions 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	Timestamp for when this event was created, in system time. 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"`

Example

# overdraft_opt_in example:
{
  "balance_id": "20211",
  "extcustid": "acv#-@45!sbsxm%-",
  "msg_event_id": "243693",
  "msg_id": "ODIN",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "overdraft_opt_in"
}