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 members options when it comes to how we handle overdrafts.
Courtesy Pay:
This overdraft privilege is automatically available to members with an eligible checking account. For each overdraft transaction presented, we pay the item rather than return to the merchant (up to the maximum limit). Members have 30 calendar days to make a deposit to bring the account balance positive. Once the account balance is positive, the full Courtesy Pay limit is available to use again as needed. 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. Don't forget that members must opt-in to receive Courtesy Pay Plus. 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.
