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 protection – one for checks, electronic payments, and bill payments and an additional level of protection 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.
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.