Courtesy pay is a service we offer 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.

Two Levels of Protection

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

Use our simple online form to tell us you want courtesy pay coverage. Simply log in to your account and select Other Services > Debit Card Courtesy Pay from the main menu. You may also call us to opt in.

We hope you enjoy the convenience of 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.