Applying for Tangerine overdraft protection over the phone.?

Does anyone have experience with applying for tangerine overdraft protection over the phone? I read that if you submit a form it takes ~2 days to process, but if you apply through phone would they perform a credit check right away and approve you on the spot? And do they approve you on a certain amount of overdraft... show more Does anyone have experience with applying for tangerine overdraft protection over the phone? I read that if you submit a form it takes ~2 days to process, but if you apply through phone would they perform a credit check right away and approve you on the spot? And do they approve you on a certain amount of overdraft or they just simply approve you?
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