What is an OverDrive account?
An OverDrive account is a sign-in option on overdrive.com, in the legacy OverDrive app, and in Adobe Digital Editions (ADE).
Note: You don't need an OverDrive account to use Libby.

- On overdrive.com
Sign into overdrive.com to save libraries to your account and find titles at your library or other nearby libraries.
Note: We recommend bookmarking this sign-in page for easy access. - In the legacy OverDrive app
Sign into the legacy OverDrive app (where available) with an OverDrive account to automatically load any libraries associated with your account. If you're signed into the OverDrive app on multiple devices (up to 6) with your OverDrive account, you can download the same EPUB ebooks to each device. - In Adobe Digital Editions (ADE)
When you authorize ADE with your OverDrive account, you can download ebooks to it. If you use the OverDrive app on a mobile device, you can download the same books to ADE and the app as long as you sign in with the same account on both devices.

No. Even after you create an OverDrive account, you'll still need a library card to sign into your library and borrow titles from their OverDrive collection.
Learn more about the difference between an OverDrive account and a library card here.