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Expect the unexpected

It’s an unfortunate fact, but many people don’t have the recommended savings cushion to cover at least six months of expenses in the event of an emergency or loss of income. When that’s the case, we want to make sure our members have an alternative to provide a safety net if something unexpected does happen and you’re left with a cash shortfall between paychecks – or if paychecks stop altogether. Courtesy Pay is a feature that you can opt-in for on your checking account that can help prevent an embarrassing bounced check, declined debit card, or returned payment for important items like a utility bill or insurance payment.

We will assess a $25 fee for each item paid that you don’t have the funds to cover, but you won’t have to deal with additional Returned Item fees from a merchant. Courtesy Pay Coverage will allow your account to be overdrawn by up to $400 before we do start returning items unpaid, but in most cases this $400 cushion is more than enough when you make a mistake balancing your checkbook or have an unexpected expense between paydays.

Learn More About Courtesy Pay