Your personal checking account is authorized for Courtesy Pay. This service allows us to pay an item presented for payment against your account, even if it causes the account to become overdrawn. While it is not an invitation to overdraw your account, it is an added layer of safety should you accidently write a check for more than you have in your account, or an inadvertent error causes the account to become overdrawn.
Courtesy Pay adds a pre-approved $500 overdraft limit to your personal checking account. If you overdraw your account, we may pay each check up to your $500 limit. Your account will be assessed a non-sufficient fund and/or Courtesy Pay charge of thirty dollars ($30) for each item we pay against an overdrawn account.
What if I already have Overdraft Protection?
If you have established other overdraft protection methods, such as a line of credit or automatic transfer from your other accounts, we will always look to pay any overdraft by those other methods first before paying your overdraft utilizing Courtesy Pay and imposing a $30 fee for each overdraft we pay.
Do I have to Apply for this service?
No. We require no applications or additional signatures. As long as you are a member in good standing which includes having an account with us for at least 60 days, you make regular deposits to that account, bring your account to a positive balance regularly, and there are no legal orders against the account, your Courtesy Pay privilege remains activated.
Courtesy Pay is a way for us to provide a higher level of service to our members by helping protect your account and reputation when an inadvertent overdraft occurs.
Beware of Telephone Scams
A credit union employee will not call and ask you to provide sensitive account information. Furthermore, we do not solicit any card or account information by using automated message systems or text messages. However, we do have a fraud alert system for our credit cards.