Overdraft Protection |  |
Protect yourself if you're caught off balance.As a Quorum member, you can relax. Should your account become overdrawn, we've got you covered with three levels of protection. It's easy to set up a Checking Reserve Line-of-Credit or an Automatic Transfer. We can even make a Courtesy Pay for you. Checking Reserve Line-of-Credit |  | The most valuable service you may never have to use.A Checking Reserve Line-of-Credit keeps $500 or more at the ready, so you never get zapped with overdraft fees. There's no cost for this service, and you're not charged any interest until you use it. You'd never even know it was there. Unless you needed it. | |  | Open a Checking Reserve Line-of-Credit today. It's easy:- Log in to Online Banking.
- Click on "Loan Requests."
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Automatic Transfers |  |
Like a superhero, an Automatic Transfer kicks into action when your checking account is in danger of being overdrawn, quickly moving the needed funds from your savings account to checking (fees apply). It's your money, and we're grateful that you keep it with us. So we're doing all we can to make sure it's there where you need it most. |
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Courtesy Pay |  | Going over budget is easy. So we made overdraft protection even easier.When your Line-of-Credit isn't enough and an automatic transfer just won't do, we'll gladly pay your overdraft (under most circumstances) via Courtesy Pay. The following types of transactions are automatic* for Courtesy Pay as long as your account is in good standing:- Bill payments
- Electronic transfers (ACH Debits)
- Check transactions
- Recurring Visa Check Card transactions (e.g., gym membership)
To find out if your account is eligible or to opt out of this service, please contact us today.
If you choose to opt in for additional protection, Courtesy Pay may also cover: - ATM withdrawals
- Everyday Visa Check Card transactions
You're charged a fee for each item that is covered by Courtesy Pay. Once this service is initiated, you will have up to 30 days to bring your account balance positive. See our Direct Deposit and Convenience Services for options.
Click here for more information about overdrafts and overdraft fees.
| | | | Have a Quorum checking account and want to opt in for Courtesy Pay on ATM and everyday Visa Check Card transactions?- Log in to Online Banking.
- Click on "Other Services."
- Click "Go" next to "Courtesy Pay Opt-In/Out Form."
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