Courtesy Pay Privilege and Courtesy Pay Privilege Plus

Courtesy Pay Privilege

Courtesy Pay Privilege is a standard feature that is included for all new business and personal accounts at the time of new member account activation.

• It is a free benefit that comes with the account. You only pay a fee if you have to use it for life’s unexpected expenses
• Courtesy Pay Privilege covers checks, Bill Pay and ACH transactions
• There is a fee, but the credit union will not return the item to the merchant

The payment will be covered in full through this service for a fee of $36. Courtesy Pay Privilege allows your payment to go through if there is not enough money in your account to cover the payment. We charge a Courtesy Pay Privilege fee for every transaction covered by Courtesy Pay Privilege. We determine whether you have enough money in your account based on the available balance. The available balance is the ledger balance, minus any holds on deposited funds (see Funds Availability Policy in the Depository Agreement located in Online Banking) and holds placed on debit card transactions, plus the Courtesy Pay Privilege limit or, if you opted in, the Courtesy Pay Privilege Plus limit. Holds placed on your account pursuant to our Funds Availability Policy will reduce your available balance.

After the credit union makes the overdraft payment, the member must make a deposit within 30 days from the date of the payment to bring the checking account into a positive balance, including the $36 fee.

Courtesy Pay Privilege may be removed from the account if a member fails to bring the account into the positive within 30 days.

Courtesy Pay Privilege will be reinstated if the account is positive for 45 days.

This is not a loan as there is no interest charged.

More information on Overdraft Protection can be found in our Depository Agreement – Available in Online Banking and on the Mobile App.