The Overdraft Protection You Need
Courtesy Pay and Overdraft Benefits
With Courtesy Pay, we will pay overdrafts from checks, automatic bill payments, and other transactions made using your account number.
- AffordableFor each transaction covered with Courtesy Pay, there is a small fee, but you can avoid late fees and expenses that come with late or missed payments.
- ProtectionCourtesy Pay can help protect your credit score from negative impact by avoiding bounced checks or declined transactions.
- Peace Of MindComplete transactions knowing that you are protected even if you don't have sufficient funds due to emergencies or unexpected expenses.
Second Chance Checking Accounts are not eligible for courtesy Pay.
Courtesy Pay And Overdraft Details
Complete your transactions with ease, knowing that you are covered by paying minimal fees.
- Everyday Transactions
You will be charged a fee of $17 for ATM and everyday debit card transactions.
- Checks and Recurring Payments
You will be charged a fee of $15 for Premier Members and $20 for General Members for checks, automatic bill payments, and other transactions made with your account number.
- Flexibility to Help You
The maximum negative balance allowed per day is $750 if your account has active Direct Deposit or a $300 maximum negative balance for non-direct deposit accounts.
We do not authorize and pay overdrafts for everyday debit card transactions or ATM transactions unless you ask us to. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
Why am I not automatically enrolled?
Government rules forced all financial institutions to stop paying overdrafts on debit card transactions UNLESS you choose to OPT-IN. When you OPT-IN, you will not need to worry about your checks, debit or point of sale transactions being declined again; thereby giving you peace of mind.
If you want us to authorize and pay overdrafts on everyday debit card transactions, complete our electronic OPT-IN form today!
What fees will I be charged?
Under our standard overdraft practices:
We will charge you a fee of $17 for ATM and everyday debit card transactions. See disclosure form
We will charge you a fee of $15 for Premier Members and $20 for General Members for items covered by our standard overdraft practices.
The maximum negative balance allowed per day is $750 if account has active Direct Deposit; $300 maximum negative balance allowed for non-direct deposit accounts.
What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
Checks and other transactions made using your checking account number (NSF)
Automatic bill payments (ACH)
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
Everyday debit card transactions