Courtesy Pay
A Little Extra Cushion — At No Cost to You.
Life happens. Courtesy Pay helps cover the unexpected when your balance falls short — with no overdraft fees.
What is Courtesy Pay?
Courtesy Pay is a service that may cover your transactions when your account balance is temporarily low. Instead of declining a payment, we may allow the transaction to go through, so your important purchases and payments aren’t interrupted. And now, Courtesy Pay is FREE!
Already a member?
Stop by any branch location or call us to verify eligibility, then just keep your deposits flowing and maintain your account in good standing to continue to use this helpful service.
Not a member yet?
Open an account today and start depositing, after 90 days of the minimum monthly deposit you too can enjoy benefits like Courtesy Pay.
Why Courtesy Pay
No Overdraft Fees
Transactions covered by Courtesy Pay do not incur an overdraft fee.Peace of Mind
Avoid declined transactions when unexpected expenses happen.Automatic Safety Net
Once eligible, Courtesy Pay is available when you need it most.Simple Requirements
Qualify by maintaining regular deposits and keeping your account in good standing.
How Courtesy Pay Works
Make a purchase or payment.
If your balance is temporarily short, Courtesy Pay may cover the transaction.
Your account may go negative up to your Courtesy Pay limit.
Simply bring your account back to a positive balance with your next deposit.
Who Is Eligible?
Members may qualify for Courtesy Pay if they:
Have a consumer checking account
Have had their account open for at least 90 days
Maintain total monthly deposits of $1,000 or more
Keep their account in good standing
Stop by any of our branch locations or call us to check your full eligibility.
Courtesy Pay Disclosure
Courtesy Pay is a discretionary service provided by the credit union. The credit union may choose to pay or decline transactions at its discretion and is not obligated to pay every overdraft. Courtesy Pay is available only to qualifying accounts that meet eligibility requirements. Courtesy Pay limits are determined by deposit activity and may change at any time. Courtesy Pay does not guarantee that every transaction will be paid if your account lacks sufficient funds. Members are responsible for bringing their account balance back to a positive balance promptly. Additional terms and conditions may apply. See account agreement for complete details. If you have reached your Courtesy Pay Limit, items may be returned, returned items are subject to a NSF (Non-sufficient Funds Fee). Please refer to fee schedule for fees.