OVERFLOW FAQ

Overflow is a faith-driven fintech company transforming the way churches and nonprofits approach generosity. Our full-stack giving platform includes Overflow Giving for stock, crypto, DAFs, and cash donations; Overflow Tap for instant, contactless giving in person; and Generosity University to equip your community with practical, biblical financial literacy. From powerful digital tools to educational resources, Overflow makes it easier to give—and manage generosity—at scale.

Yes. Overflow's Information Security Program is SOC 2 Type 2 compliant and follows strict criteria set forth by the SOC 2 Framework, a widely respected information security auditing procedure. Overflow does not have access to nor stores any brokerage account login information. For security and data privacy measures, Overflow uses Yodlee, a third-party provider, to handle the brokerage account login process. Over 600 companies including PayPal, Mint, and Amazon use Yodlee to connect their clients’ accounts.

You can donate:
ACH/Credit/Debit
Stock
Cryptocurrency
Donor Advised Fund (DAF)

Once you've set up your recurring giving in Overflow, you'll need to cancel your recurring gift in Deka.

Here's how:
1. Log in to your giving profile at https://deka.gives/church-at-the-crossing
2. Click the menu button on the right
3. Click Profile
4. Click on the button that says Recurring Gifts
5. Click the Delete button next to the gift you wish to cancel.
6. Click Delete
7.  You will see a message that says, "Your recurring gift was cancelled!"

Credit/Debit Cards: 2.5% + $0.30 per transaction
ACH Donations: 0.5% + $0.20 per transaction
Non-Cash Donations: 3% or lower per transaction

Overflow supports the transfer of any publicly-traded stock that is exchanged on the US stock market. Overflow also supports the transfer of ETFs and Mutual Funds, but there may be brokerage-imposed restrictions on the transfer depending on the fund and gift value. If that is the case, Overflow’s concierge services will work with you directly to understand the restrictions and implications.

Here's how giving stock on Overflow works:

1. Choose what to give
Fill out information to begin your stock gift. We make this simple by allowing you to quickly and easily select stocks from your portfolio in minutes.

2. Leave it to Overflow
We will submit your gift electronically and work with your brokerage, and yourself if needed, to ensure the gift is fulfilled.

3. Giving, Simplified
Once the nonprofit has received your charitable gift, you’ll receive a charitable acknowledgment letter that you can use for tax purposes.

Cryptocurrencies that are compliant and accepted within the United States are available to give through Overflow's crypto donation processing platform.

If you are interested in giving a coin that you don't see supported, please email support@overflow.co.

It is sometimes possible to facilitate your donation off-platform depending on the type of coin and gift value.

Donating appreciated stock that you've held for over a year could allow you to save up to 20% in capital gains taxes and potentially up to 37% in federal income taxes on the charitable donation value of your gift based on your tax bracket when itemizing deductions. To understand the full tax benefits of giving appreciated stock, including potential state tax savings, please consult with your tax professional for information about your personal tax implications.

A donor advised fund (DAF) is a specialized financial account used for charitable giving. It allows individuals to make a charitable contribution, receive an immediate tax deduction and then make grants to 501(c)(3) organizations over time.

The money in a DAF can also grow tax free and be donated at any time in the future - there are no time limits or distribution requirements for DAFs today.

The main benefit of a DAF is the ability to make a donation and take an immediate tax deduction for it while waiting to decide how the donation should actually be used. While the donation is irrevocable, it can grow tax-free in the DAF via investment while the decision is being contemplated.