Overdraft Protection
An overdraft occurs when there is not enough money in a checking account to cover a transaction. Courtesy Pay allows us to pay an item presented for payment against your checking account even if it causes the account to become overdrawn. We give you options when it comes to how we handle overdrafts.
Overdraft Transfer:
FEE-FREE!
This option links your checking account to a primary share account and/or an Access Line of Credit. It transfers available funds from the linked accounts in the order specified to cover an overdraft and includes all transaction types. Want to add this protection? Head over to the Digital Banking mobile app to select your accounts and manage your overdraft protection preferences.
Courtesy Pay:
With Courtesy Pay, overdraft transactions are paid instead of being returned to the merchant. It is automatically applied to eligible accounts. You can opt out or manage your overdraft protection preferences in the Digital Banking mobile app. There is a Courtesy Pay Fee per item paid. Please see our Fee Schedule.
Items covered include:
Courtesy Pay Plus:
Adding an extra flair to Courtesy Pay, this option allows us to authorize and pay debit card purchases and ATM withdrawals that would overdraw an account. You can opt in and manage your overdraft protection preferences in the Digital Banking mobile app. There is a Courtesy Pay Plus Fee per item paid. Please see our Fee Schedule.
Items covered include:
No Coverage:
Without coverage, no transactions are included. Members may elect to opt out of all Courtesy Pay coverage. This means that we will not authorize and pay any transactions that would overdraw the account. These transactions may be returned to the payee and will result in a $32 NSF fee. There may also be fees assessed by the payee who receives the returned item. If you wish to opt out of the Courtesy Pay Program or would like more information, please contact us.
