[Intro – tight drum fill + airy “ooh”]
Yeah… uh… let’s go
[Verse 1 – smooth & punchy]
You slide in my DMs like a black card swipe,
One text and my heartbeat’s runnin’ up the price.
Every notification got me spendin’ the night,
Over budget, overdrawn, but it feels so right.
Your name on the screen is a five-star rush,
I’m broke in the morning but I don’t give a—
[Pre-Chorus – rising harmonies]
I should close the tab, log out, walk away,
But I keep tappin’ “send” like it’s payday…
[Chorus – massive, radio-ready]
I’m overdraft on you, maxed out every feeling,
Red in my account but the high’s still healing.
Ooh-ooh-ooh, charge it to my heart—go ‘head,
I’ll pay the fees if it means one more night in your bed.
Overdraft on you—yeah, I’m broke but I’m rich,
Love’s the only bill I never wanna switch.
[Verse 2 – playful swagger]
Interest rates climb when you leave me on read,
But one “miss you” and I’m back in the red.
Venmo request: one kiss, no decline,
You approved it fast—now the balance is mine.
Friends say “girl, block him, protect your peace,”
But I hit “accept” every time you increase.
[Pre-Chorus – bigger]
I know I’m in debt, but the limit’s the sky,
Keep spendin’ your love—never askin’ why…
[Chorus – fuller, gang vocals on the hook]
I’m overdraft on you, maxed out every feeling,
Red in my account but the high’s still healing.
Ooh-ooh-ooh, charge it to my heart—go ‘head,
I’ll pay the fees if it means one more night in your bed.
Overdraft on you—yeah, I’m broke but I’m rich,
Love’s the only bill I never wanna switch.
[Bridge – half-time, sultry]
Call it reckless, call it dumb,
But I’d go bankrupt for another night of us.
Then—drop! (Drums + horns hit)
[Final Chorus – stadium size]
Overdraft on you! (Hey!) Maxed out and I’m proud,
Put it on my tab—scream your name out loud.
Ooh-ooh-ooh, keep the charges comin’ through,
I’m forever overdraft on you!
Yeah, I’m broke but I’m rich—best debt I ever chose,
Love’s the only balance that never gonna close.
[Outro – horns fade, last clap]
Overdraft… on you…
Still spendin’.
