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Originally Posted by Paperbackstash
Is there a Universal Overdrive account for all people despite what library someone uses?
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Not sure exactly what you are asking. You can create an Overdrive login and use that to login to the main Overdrive website on your computer, smartphone, etc. Then you can add your individual libraries to this main Overdrive account. You can then limit your searches to only the libraries you have entered to see if the books you want are available. But to actually check anything out, or put anything on hold, I believe you need to create individual library accounts.
In the back of my mind, I seem to remember that when setting up the Overdrive app on my smartphone there was some option to to login using your Overdrive account, or something else (maybe individual library accounts?) But that was years ago when I installed the Overdrive app and I don't remember what those details were. It doesn't matter anyway, because the Overdrive app is going away soon - to be replaced by Libby.