Eligible accounts are automatically enrolled in basic coverage for checks and ACH; however, federal regulations require members to opt-in to receive extra coverage for Debit/ATM transactions.
No, there is no fee to opt-in.
Yes, a $30 fee is charged each time you use Courtesy Pay to pay for an item.
There is no cost to you unless you use it 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.
We offer three 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
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.
A notice will be mailed (or e-mailed 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.
If you have elected to receive your statements electronically, you will receive your notices electronically. If you receive a statement via the mail, then your notices will be mailed.
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 approved limit. It’s another line of defense when overdraft protection is not enough.
We offer three ways to opt-out:
Yes, overdrafts may not be paid if your account is not in good standing, or you are not making regular deposits or you have too many overdrafts. Click here for more information.
Courtesy Pay is a service we offer for eligible checking account members to pay for items that exceed the balance in your checking account, after Overdraft Protection options have been exhausted. Courtesy Pay will cover the cost of the transaction(s) and a $30 fee per item will be applied. Click here to view disclosure.