Protect your checking account and your credit with overdraft protection. Anyone can make a mistake — it shouldn't wreck your credit. With our Courtesy Pay service, you can set up a line of credit to cover any accidental overages. Should you overdraft your account, we'll automatically transfer funds to cover it. Never worry again — your account is safe with Courtesy Pay.
*Up to a maximum of $700.
Courtesy Pay* is an enhancement to our checking accounts that allows us to pay transactions presented against your account when you have inadequate funds. Instead of returning the transaction to the merchant for insufficient funds, we pay it and temporarily overdraw your account (up to a maximum of $700).
Courtesy Pay is an added privilege to our checking accounts that benefits members in the following ways:
There are no maintenance fees. Each transaction covered by Courtesy Pay will incur an overdraft fee of $30. The best way to avoid multiple fees is to know your balance.
Yes, Courtesy Pay can be temporarily suspended or permanently revoked if your account is no longer in good standing or if you abuse the service. The best way to maintain your Courtesy Pay privilege is to promptly repay any negative balance that results from a Courtesy Pay transaction.
If you choose to remove Courtesy Pay Privilege from your checking account, you can complete and sign an Opt-Out form, which is available at your local branch. You can also by contact us online or call one of our representatives at 800-822-6875.
Avoiding fees from Courtesy Pay is simple when you use the following tips:
*Courtesy Pay fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. You have 45 days to return your account to a positive balance after using Courtesy Pay. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.