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  • Courtesy Pay

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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.

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 $30 fee will be charged per item covered. Click here to view disclosure.

Coverage

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. There are several ways to opt-in for Debit/ATM coverage:

  • Log in to Online Banking and under the 'Services' tab, select Courtesy Pay
  • Contact our Member Care Center at 888.493.4328
  • Visit one of our branches

Benefits

  • 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

Is there a cost to use Courtesy Pay?

There is no cost unless the service is used. When an item is covered into overdraft using Courtesy Pay, a $30 fee is charged for each item. Using Courtesy Pay may be more costly than other overdraft payment options we may offer. 

What if I don’t plan to use Courtesy Pay?

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. We still recommend that you opt-in to protect your ATM and debit card transactions.

I already have Overdraft Protection. What is the difference?

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.

Is there a fee to opt-in for Debit/ATM coverage?

No, there is no fee to opt-in.

If I use Courtesy Pay, when do I need to bring my account current?

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.

How will I be notified that Courtesy Pay was used?

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.

Are there any circumstances when an overdraft item won’t be paid?

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. 

How do I opt-out of Courtesy Pay?

You can opt-out of Courtesy Pay at any time. To opt-out: