Financial service involving coverage network

In general terms, embodiments of the present invention relate to methods and apparatuses for providing a financial service that involves a coverage network. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account and a holder of the account, and where the transaction has a transaction amount; (b) determining, based at least partially on the transaction information, that the account does not have enough available funds or credit to cover the transaction amount; (c) prompting a member of a coverage network to consent to covering at least part of the transaction amount, where the coverage network is associated with the account or the holder, and where the prompting occurs after the determining that the account does not have enough available funds or credit; (d) receiving the member's consent to covering at least part of the transaction amount; and (e) authorizing the transaction based at least partially on the receiving the member's consent.