Beem Everdraft
People who want a small, low-cost cash cushion and can live with a monthly subscription instead of per-advance fees. It also fits people who accept that Beem decides the amount, not them.Facts verified September 11, 2026
Beem's Everdraft advance goes up to $1,000. But Beem decides your real limit from your bank activity, not you. Every plan needs a paid subscription. Prices run from $1.99 a month for a $10 limit up to $13.99 for the full $1,000 tier. Instant transfers cost extra, from 99 cents to $4. A free ACH transfer is available too, but it takes 3 to 5 business days. There is no interest and no credit check. But there is no free way to get an advance.
$1,000
Max advance
$1.99/mo
Subscription
None
Credit check
99 cents to $4; the fee doesn't scale evenly with plan price.
Instant fee
The details
- Max advance
- $1,000
- Limit resets
- Other
- Mandatory fees
- Subscription required for any Everdraft access, $1.99 to $13.99/month depending on the limit tier
- Interest
- None
- Late fee
- $5 per missed subscription payment, capped at $15 total
- Credit check
- None
- Direct deposit required?
- No
- Bank-link required
- Yes (Flinks)
- Instant transfer
- Instant
- Instant transfer fee
- 99 cents to $4; the fee doesn't scale evenly with plan price.
- Free transfer
- ACH, 3 to 5 business days
- Tips
- None
- Eligibility
- You must be 18 or over, a US resident or in a US territory, with a linked US checking account that has at least 6 months of transaction history, a verified debit card, and no pending dues. A paid subscription is mandatory; there is no free tier for Everdraft.
Pros & cons
Pros
- Your Everdraft limit is not fixed. Beem Boost raises it automatically after a track record of on-time repayment, so you do not have to reapply for more.
- There is no credit check to apply, and Everdraft carries no interest.
- A free transfer option exists. ACH deposits have no fee, though they take 3 to 5 business days.
- Beem takes repayment straight from your linked account automatically when funds come in. There is no due date to remember or track yourself.
Cons
- Beem sets your Everdraft amount, not you. Beem says the limit "isn't something you request manually," so most people get far less than the advertised $1,000.
- Every plan is a paid subscription. There is no free way to get an Everdraft advance, and the cheapest plan, Lite, costs $1.99 a month for just a $10 limit.
- Instant transfers cost extra on top of your subscription, from 99 cents up to $4 depending on your plan.
- The only free transfer option is ACH, and it takes 3 to 5 business days to arrive.
- Your primary bank account needs at least 6 months of transaction history to qualify. That can shut out people with newer accounts.
- Miss a subscription payment and Beem adds a $5 late fee that month. The cap is $15 total.
- Repayment is pulled automatically, not requested by you. If the funds are not there, Beem pauses your Everdraft access and retries within 1 to 2 business days. You cannot get a new advance until the balance clears.
