How to Opt In and Out of Courtesy Pay Coverage

1st United offers 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. Members need to enroll in the second level of coverage for ATM and debit card transactions.

How to add or remove the two levels of courtesy pay coverage:

Call us at (800) 649-0193 if you need assistance.

Courtesy pay coverage for checks, electronic payments, and bill payments

  • If you qualify, you will be automatically enrolled upon account opening.
  • To opt out or re-add this level of coverage, contact us by using Messages in online or mobile banking or by calling us at (800) 649-0193.

Courtesy pay coverage for ATM and debit card transactions

Opt in or out using the mobile app:

  • Log in to your account using the mobile app
  • Select your checking account
  • Click Settings and click on the Overdraft Opt In/Out option
  • Follow the steps to opt in or opt out of coverage
Opt in or out using a web browser:

  • Log in to your account using any web browser
  • Select Accounts from the main menu
  • Click the Overdraft Opt In/Out option
  • Follow the steps to opt in or opt out of coverage
Opt in or out by sending us a message:

  • Log in to your account using the mobile app or a web browser
  • Select Messages from the main menu