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This program can provide qualified members:
- Protection from merchant returned check charges
- Protection from late fees because you were short of funds to pay a
bill
- Protection from the embarrassment of declined ATM/Debit transactions
- Protection of your good credit and name.
What is Courtesy Pay? Courtesy Pay is a benefit offered to
qualified members with a checking account that will provide a limited level
of protection from non-sufficient fund fee (NSF) returned checks and declined ATM/Debit Card
authorizations. It is not a loan, it is a courtesy extended to qualified
members in good standing to cover items, up to a $1,500 limit.
We pay overdrafts at our discretion, which means we do not guarantee
that we will always authorize and pay any type of transaction.
Is there a charge for Courtesy Pay? There
is no charge to have Courtesy but if Courtesy Pay is used
to pay an item creating a negative balance in the account we will assess a
$25.00 Courtesy Pay fee for each item paid.
Accounts without Courtesy
Pay or accounts that have exceed their Courtesy Pay
limit will have their items returned as NSF and the account will be assessed a
$25.00 NSF; ATM / Debit Card transactions will be declined.
How do I sign up for Courtesy Pay? You do not sign up,
Courtesy Pay is an automatic enrollment offered to members in good standing
actively using their checking account. In most cases payroll deposit
or direct deposit is required.
What if I do not want Courtesy Pay? At anytime you may opt
out of Courtesy Pay by submitting in writing a request to "Opt Out"
of Courtesy Pay. |
