Overdraft Coverage - Avoid Being Declined

A New Option: Debit Card Overdraft Coverage

Let’s face it—life happens. We’re all busy and the unexpected may make balancing your checking account a challenge. That’s why we offer overdraft coverage for checks and automated transactions, as well as scheduled (recurring) debit card payments that occasionally cause insufficient funds in checking accounts. However, currently we only approve everyday debit card transactions if the funds are available at the time of purchase.

Another option is now available

Whether you forgot to make a deposit or subtract a purchase, or you simply made a little miscalculation...overdrawing your account can be costly and embarrassing. And having your VISA® Debit Card declined at the check-out counter can be extremely inconvenient!

But you don’t have to worry about that with Courtesy Pay at your Credit Union. There is no charge to set up or maintain this protection. In fact, if you OPT IN for Courtesy Pay, we will allow transactions up to negative $10 before any overdraft fee is charged. In either event, your payment will be honored and you will avoid a fee or penalty from the merchant, as well. But you must OPT IN for this service.You can opt-in now for debit card overdraft coverage in the event you miscalculate your balance and still need to make an everyday debit card purchase.

 Easy to get started

• Log in to anytimeBanking and click the "Options" link and then" Courtesy Pay ATM/VISA Debit"
• Print and sign the OPT IN form

Is there a cost to sign up?
Signing up is free. You only incur the $28 fee if you make an everyday debit card purchase that takes your account negative and we pay it. If we deny the transaction, you will never be charged a fee. If you sign up now and change your mind later, you can cancel the service anytime. Remember, if you OPT IN for Courtesy Pay, we will allow transactions up to negative $10 before any overdraft fee is charged.

What happens if I don’t sign up?

If we do not hear from you, we will continue to decline everyday debit card purchases if you have insufficient funds and will not charge you an overdraft fee. Remember, if you OPT IN for Courtesy Pay, we will allow transactions up to negative $10 before any overdraft fee is charged.To learn more about overdraft services and other money management tools, please call us at (800) 894-1200 or stop by a branch office.
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