Courtesy Pay Service
After all other overdraft options have been exhausted, we may cover up to $1,000 for you rather than returning checks or refusing ATM withdrawals, debit transactions, or ACH transfers. The non-sufficient funds (NSF) fee still applies but you won’t have to worry about additional returned check charges at your retailer.
When an item is paid through Courtesy Pay, you may be notified that your account balance is negative and that the fee has been charged. You should make a deposit to cover the overdraft and any fees within 3-4 days. Any deposits made to your account are applied to any overdrawn balance first.
Courtesy Pay can be withdrawn by the credit union at any time. You can also choose to opt out of this service.