Courtesy Pay is a discretionary service provided to members with a checking account in Good Standing and by which CU1 may pay an item presented for payment against your checking account when your checking account does not have a sufficient Available Balance to cover the item. If you have an item come through and you do not have a sufficient Available Balance in your checking account to cover it, we will first try to cover the item by using any of the standard overdraft protection sources you may have setup. Once the standard overdraft protection options have been exhausted, CU1 may pay the item that overdraws your checking account through Courtesy Pay.
Courtesy Pay will help save you the embarrassment and inconvenience of a returned item, as well as the fee normally charged to you by merchants for items returned to them. There is no fee for having Courtesy Pay unless you use it. For Courtesy Pay to apply to your ATM and one-time debit card transactions, you must opt-in (consent) to have Courtesy Pay apply to those items. Without your consent, CU1 may not authorize and pay an overdraft resulting from these types of transactions. Please see the following disclosures for the details of Courtesy Pay.
Overdraft Payment Policy Disclosure
Overdraft Opt-in Form
Refer to the Current Fee Schedule for fees associated with Courtesy Pay
If you have any questions about Courtesy Pay, please call our Member Solutions Department at 800.252.6950.