Courtesy Pay

Courtesy Pay for Personal and Business Accounts

Constantly having to check your account every time you make a purchase? We know that can be stressful, so we have a service to give you peace of mind to meet your daily financial needs.

In the event insufficient funds are available in your checking account, we will strive to pay your transactions.

 

Personal Courtesy Pay

  Courtesy Pay Courtesy Pay Plus
How it Works

At our discretion, we will strive to pay any non-sufficient fund items, which may be presented against your account instead of returning the item unpaid.  

Includes:

  • Checks 
  • Automatic bill payments 
  • Recurring debit card transactions 
  • ACH items 

This option is only available to Courtesy Pay participants. With Courtesy Pay Plus, for a fee of $38, we will strive to authorize and pay overdrafts on ATM and everyday debit card transactions in addition to the items mentioned under Courtesy Pay.  

Includes:

  • ATM transactions 
  • Everyday debit card transactions (excludes recurring debit transactions) 

If you do not authorize this service: Overdraft Transactions are declined. No fee will be charged on ATM and everyday debit card transactions. 
Fees

Overdraft (OD) Paid Item Charge: 

$38 per item 

NSF Return Item Charge: 

$38 per item 

Personal/Consumer Accounts only – we will charge a combined total of no more than six (6) NSF Return Item and OD Paid Item charges per day.  

De Minimis—OD/NSF fee amount of $0.00 when transaction amount is less than $5.00. 

See Schedule of Miscellaneous Fees and Service Charges 

Overdraft (OD) Paid Item Charge: 

$38 per item 

NSF Return Item Charge: 

$38 per item 

Personal/Consumer Accounts only – we will charge a combined total of no more than six (6) NSF Return Item and OD Paid Item charges per day.  

De Minimis—OD/NSF fee amount of $0.00 when transaction amount is less than $5.00. 

See Schedule of Miscellaneous Fees and Service Charges 
How to Add or Revoke

Automatically Applied. Visit your local branch or call to revoke. 

Revoke Your Decision by phone: 888.375.3093

Visit your local branch or call to add or revoke. 

Add or Revoke by phone: 888.375.3093 

 

Business Courtesy Pay

  Courtesy Pay
How it Works

At our discretion, we will strive to pay any non-sufficient fund items, which may be presented against your account instead of returning the item unpaid.  

Includes:

  • Checks 
  • Automatic bill payments 
  • ATM transactions 
  • Recurring & everyday debit card transactions 
  • ACH items 

This service is automatically applied, if eligible. 
Fees

Overdraft (OD) Paid Item Charge: $38 per item 

NSF Return Item Charge: $38 per item

See Schedule of Miscellaneous Fees and Service Changes
How to Revoke

Visit your local branch or call to revoke. 

By phone: 888.375.3093 

If you have previously opted out for this service and wish to re-enroll, please call 888-375-3093