Courtesy Pay

Courtesy pay is a service that covers transactions in the event of an accidental overdraft. The service is free if the account is overdrawn $5 or less. If the account is overdrawn $5.01 or more, a $29.00 fee will be charged. You may elect to decline courtesy pay coverage by calling our Member Contact Center. 

We offer two levels of courtesy pay coverage – one for checks, electronic payments, and bill payments and an additional level of coverage for ATM and debit card transactions. The first level of coverage is automatically included with your account.

According to federal regulations, you must elect to receive the second level of coverage. We recommend that you elect to receive this additional coverage to protect your account. If you opt in and do not use this service, there are no fees.  

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. For example, we may return an item presented against insufficient funds if you do not have an overdraft plan in good standing with available funds or credit.