No need to worry about your card being declined - we got you covered!
Courtesy Pay is a service in which the credit union will automatically pay an overdrawn transaction for you to save you from the embarrassment, inconvenience and high fees associated with overdrawing their debit/checking account. The service is standard and comes with the debit/checking account. There is a fee involved each time Courtesy Pay is used.
How It Helps You
How It Works
Avoid late fees from merchants and other businesses when the account is overdrawn
The credit union automatically pays the NSF amount
Peace of Mind
Your overdrafts are covered and you avoid the embarrassment and inconvenience of a declined transaction
Member must have a debit/checking account in good standing
$27 fee for each transaction payment
The credit union will pay insufficient items up to the overdraft limit of $100 starting the first day of opening. If members opt-in for debit and ATM transactions, the limit increases to $500 as long as the account has been open for at least 30 days.
If the member has other overdraft protection sources, such as a Personal Line of Credit, those will be utilized first before Courtesy Pay.
Courtesy Pay (opt-out level) automatically covers checks, ACH, and recurring electronic withdrawals. Member must opt-in for ATM and debit card transactions to also be covered by Courtesy Pay.
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