Courtesy pay has you covered
Courtesy Pay helps you cover transactions even when your balance comes up short so you can avoid declined payments and added stress.
What is courtesy pay?
Optional service to cover overdrafts on your checking account, up to an approved limit.
Avoid declined transactions or returned payments
Designed to help during occasional shortfalls
Opt-in required
Fees apply only when used
The Courtesy Pay process
- If your account doesn’t have enough funds to cover a transaction, we may cover the difference (up to your Courtesy Pay limit).
- You will be charged a Courtesy Pay fee for each covered item, but the transaction will go through.
- You will be expected to bring your account back to a positive balance promptly.
Eligible transaction types
- Checks
- Automatic payments (ACH)
- Debit card purchases
Courtesy Pay FAQs
Common questions about Courtesy Pay.
Is Courtesy Pay a loan?
No, it’s not a loan. It’s a discretionary service that covers transactions when your balance is insufficient. You’re expected to repay the overdrawn amount promptly.
Will all overdrafts be covered?
Not always. Courtesy Pay is discretionary, and we may not cover every transaction. We typically consider your account history and status when deciding.
Can I turn off Courtesy Pay?
Yes, you can opt out of the service at any time by contacting us.
What happens if I don’t repay the overdraft?
Accounts that remain overdrawn for an extended period may be restricted or closed and could impact your credit or future account access.
We’re in your corner
Smarter accounts, real rewards, and the convenient tools you rely on. Get it all from a local credit union rooted in New York and New Jersey.
