Courtesy Pay covers any overdraft amount without having insufficient funds returned to merchants. The credit union automatically subtracts a $30.00 fee for each transaction up to $500 (including fees).
As long as the account becomes positive within 14 days of the occurrence, the checking account will remain in good standing. Courtesy Pay saves the embarrassment of declined debit card transactions, returned checks, and fees on the payee side.
Courtesy Pay is not a loan or a line of credit. It is important to know that Courtesy Pay is provided as a member service and is a privilege extended by the credit union. If you would like to opt out of Courtesy Pay please contact your credit union branch.