Hands typing on keyboard with coffee

Courtesy Pay

Peace of mind for accidental overdrafts

Two Levels of Courtesy Pay Coverage

Courtesy pay is a service that covers transactions in the event of an accidental overdraft. The service is free if the account is overdrawn $5 or less. If the account is overdrawn $5.01 or more, a $29.00 fee will be charged. You may elect to decline courtesy pay coverage by calling our Member Contact Center. 

We offer two levels of courtesy pay coverage – one for checks, electronic payments, and bill payments and an additional level of coverage for ATM and debit card transactions. The first level of coverage is automatically included with your account.

According to federal regulations, you must elect to receive the second level of coverage. We recommend that you elect to receive this additional coverage to protect your account. If you opt in and do not use this service, there are no fees.  

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. For example, we may return an item presented against insufficient funds if you do not have an overdraft plan in good standing with available funds or credit.

Elect to Receive Coverage

Tell us you want courtesy pay coverage using the Overdraft Opt In/Out option in online or mobile banking, by using Messages in online or mobile banking, or by calling us at (800) 649-0193.

We hope you enjoy the convenience of courtesy pay.

Still have questions? Read What is Courtesy Pay?

Member must be at least 18 years of age. Account must be in good standing. Overdraw limits apply. Account must be brought positive within 30 days and remain positive through the end of a business day.

Avoid fees by using account alerts!

Our email and text alerts can let you know when your balance falls below a particular dollar amount, which could save you money on overdraft or courtesy pay fees.

Mother and child sitting in front of laptop

Resources to Build Your Skillset

Check out our vast library of the latest news, articles, and webinars. Free to explore – whenever you'd like.

Financial Education