Courtesy Pay

Plan for the Unexpected Moments

Life happens, and sometimes that means you're short on funds. With Courtesy Pay, you have an added layer of security so you're covered when  you overdraft your account. Want even more protection? With Extended Coverage, we'll also cover overdrafts on your ATM and everyday debit card transactions.

What is an Overdraft?

An overdraft occurs when more money than you have available in your account is withdrawn, causing a negative balance.

What is Courtesy Pay?

Courtesy Pay provides overdraft protection when you don't have sufficient funds in your account to cover a transaction. With Courtesy Pay, we will cover the cost of your reasonable overdrafts caused by checks, pre-authorized ACH payments, electronic transfers, returned items for payment, and automatic bill payments so your transactions go through until you're able to bring your account into a positive balance. 

How it Works

If you are 18 years old or older, you are automatically enrolled in Courtesy Pay when you open a checking account. Minors are not eligible for Courtesy Pay services.
  • If you have other overdraft arrangements, such as a savings account overdraft or overdraft line of credit, they will be used before Courtesy Pay
  • A fee is charged per item covered (See our Fee Schedule)
  • The overdraft balance must be paid within 30 days of the date of the overdraft.

What is Extended Coverage?

Extended Coverage is an additional layer of protection on top of Courtesy Pay. With Extended Coverage, we will also cover your reasonable overdrafts caused by ATM transactions and everyday debit card transactions.


You are eligible to enroll in Extended Coverage so long as:  
  • You are 18 years old or older,
  • Your account is in good standing,
  • You don't have excessive non-sufficient funds activity, and 
  • You haven't attempted/completed fraudulent transactions

Program Comparison

Courtesy Pay Extended Coverage
What is it? An overdraft program that covers transactions from an account that would otherwise have insufficient funds1. You can read a detailed description of Courtesy Pay in our Courtesy Pay Disclosure. Additional coverage on top of Courtesy Pay coverage. You can read a detailed description of Extended Coverage in our Extended Coverage Form.
Applies to Checks, Pre-Authorized ACH Payments, Electronic Transfers, Returned Items for Payment, and Automatic Bill Payments ATM Transactions and Everyday Debit Card Transactions
How do I enroll? Automatic enrollment with checking account Must opt in to receive additional coverage
Fees Each use incurs a Courtesy Pay fee as outlined in our Fee Schedule Each use incurs a Courtesy Pay fee as outlined in our Fee Schedule

1We determine whether you have enough money in your account for purposes of assessing overdraft fees based on your available balance. For a more thorough explanation of insufficient funds, please refer to page our Membership Agreement.
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