Courtesy Pay is a discretionary overdraft protection service that authorizes and pays transactions that overdraw your checking account.
Some of the Courtesy Pay benefits include:
- You may avoid merchant or returned charges.
- You could avoid costly collection agency fees for returned charges.
- You may avoid the embarrassment of insufficient funds or denied transactions.
- You can utilize Courtesy Pay if an emergency arises that is not covered by your available account balance.
If you overdraft your account, we may pay your transactions up your designated Courtesy Pay limit plus applicable fees. Your account will be accessed a Courtesy Pay fee for each item that is authorized and settled with Courtesy Pay.
Please review the two types of coverage below:
Courtesy Page Coverage
|Transactions covered with Courtesy Pay
|Standard Coverage (No Action Required)
|ACH – Automated Debits
|Online Bill Pay Items
|Teller Window Transactions
|Everyday Debit Card Transactions
If you have savings overdraft transfer setup and the funds are available, we will attempt to transfer funds utilizing this method prior to accessing Courtesy Pay. We may remove Courtesy Pay or deny payment at any time for abuse or if you fail to meet the eligibility criteria.
If you have questions or want to make changes to Courtesy Pay, please contact us at your earliest convenience so we can determine if you qualify.