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Courtesy Pay/Overdraft Protection

Courtesy Pay is an optional account service which allows for the clearing of checks, electronic items (ACH) and debit card transactions when funds aren't available in your checking account for a $30 fee per item up to your approved limit. This service adds a measure of protection to your personal share draft (checking) account. Courtesy Pay is available to all share draft (checking) accounts in good standing. You may OPT-IN for Courtesy Pay at account opening or contact your local branch representative.

Overdraft Protection can help you avoid overdraft fees by transferring funds from your savings account or line of credit in order to cover items that would otherwise overdraw your checking account. Transfers from the share account are made dollar for dollar for each item presented. Each transfer receives a $1.00 charge each time a transfer is made.