Hi! I understand you're experiencing an issue with the "Add Cash" feature in the FNBT & FCB app not working as expected to help avoid overdraft fees. To get a clear picture, could you let me know:

- Are you trying to use "Add Cash" to deposit cash into your account right before a charge that might cause overdraft?
- Is the issue that the app is not letting you add cash at all, or that even after adding cash, overdraft fees are still being charged?
- Have you connected or enabled any overdraft protection plans in the app?

Meanwhile, let me clarify a bit about the "Add Cash" feature: it allows adding cash to your checking account via participating retailers for quick deposits. Also, the bank offers overdraft protection plans and features designed to help avoid overdraft fees, but these usually work proactively to cover transactions and might be separate from the "Add Cash" function1 3.

If the app is not accepting cash added for deposit immediately or not preventing overdraft fees as expected, here are some steps to check:

1. Make sure your app is updated to the latest version on your iPhone iOS 16.6.
2. Verify your "Add Cash" deposits have been completed successfully at the retailer and reflect as pending or completed in the app.
3. Check if the overdraft protection plan is active under your account settings or Digital Banking section; sometimes it's a separate enrollment4.
4. Review your transaction timing — sometimes deposits take a short time to clear before they can offset pending payments.
5. If you tried adding cash using the app but couldn’t complete the process or if funds are not posting quickly enough, you might want to visit or contact a participating retailer or bank support.

Let me know your specifics, and I can guide you step-by-step through the exact next moves!