| Going over budget
is easy. So we made overdraft protection even easier.
Courtesy Pay is just what it sounds like. When your line-of-credit
isn't enough, or an automatic transfer just won't do, we're
happy to pay your overdraft under most circumstances.
Courtesy Pay is automatic¹ as long as your account is in
"good standing." To find out if your account is eligible
or to opt-out of the Courtesy Pay service, please contact
us today.
Courtesy Pay may cover Bill Payments,
Electronic Transfers (ACH Debits) and Check transactions,
and you are charged a fee
for each item that draws your account negative. Effective
November 15, 2006, Courtesy Pay may also cover ATM withdrawals,
Point of Sale (POS) PIN transactions, and signature-based
(PIN-less) Visa Check Card purchases.
Once Courtesy Pay is initiated, you will
have up to 30 days to bring your account balance positive.
See our Deposit
Services for options.
Generally, overdrafts may be covered
up to the following limits:
- Members without direct deposit may
have up to a $500.00 limit.
- Members with direct deposit may
have up to a $1,000.00 limit.
- Members with an aggregate balance
of $2,500.00 or more may have up to a $1,000.00 limit.
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