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Courtesy Pay

Get Covered with Courtesy Pay

We encourage our members to manage their finances responsibly, but understand that under certain circumstances, you may need a temporary safety net to cover the shortfall in your account. That's why we offer Courtesy Pay on our Unified Checking Account.

What is Courtesy Pay?

Courtesy Pay is a service available to eligible checking account members that pays for items that exceed the balance in your checking account. It's an additional line of defense that kicks in once Overdraft Protection has been exhausted. Courtesy Pay will cover the cost of the transaction(s) up to an amount determined by the credit union and a $35 fee may be charged for each presentment.  Click here to view disclosure.

There are less expensive overdraft options available, including transfers from another deposit account, line of credit or credit card. You can also use Online and Mobile Banking to monitor your balances and create account alerts so you can avoid overdrawing your account.

Coverage Options

Eligible checking account members are automatically enrolled in basic Courtesy Pay coverage, which covers checks and ACH transactions.

For additional coverage for your debit and ATM transactions, federal regulations require members to opt-in. To opt-in for debit/ATM coverage:


  • It helps when you have an emergency, such as an unexpected bill between paychecks.
  • It saves you the embarrassment of debit card declines due to insufficient funds when you opt-in for additional coverage.
  • It helps you avoid paying additional NSF charges or returned check fees to merchants.


Frequently Asked Questions

You can opt-out of Courtesy Pay at any time by completing one of the following:

Yes, overdrafts may not be paid if your account is not in good standing, you are not making regular deposits or you have too many overdrafts. We pay overdrafts at our discretion, which means we will not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts to cover the item. The account must be brought to a positive balance on or before the 30th day from the date of the initial overdraft item to continue use of this service.


A notice will be mailed (or emailed if you receive E-Statements) if your account has not been brought current within 10 days of using Courtesy Pay. You will continue to receive periodic notices.


Your account should be brought current as soon as possible. In order to avoid interruption of Courtesy Pay service, your account must be brought current within 30 days of initial use.


No, there is no fee to opt-in.


Overdraft Protection uses an existing account or line of credit that you have designated to automatically transfer money from one to the other when you exceed your checking account balance. When that has been exhausted, Courtesy Pay will cover your transaction(s) up to your authorized overdraft limit based on your account activity. It’s another line of defense when overdraft protection is not enough.


Courtesy Pay is a discretionary service that is available just in case you need it. There is no cost to you unless you use the service, and it will only be used as a last line of defense after Overdraft Protection has been exhausted.


There is no cost unless the service is used. When an item is covered into overdraft using Courtesy Pay, a $35 fee may be charged for each presentment. Using Courtesy Pay may be more costly than other overdraft payment options we may offer.