Accidents happen. We want to help you avoid the inconvenience and expense of a returned check by a merchant. Your checking account is protected from overdrafts 2 ways:

1. Overdraft Protection From Your Savings Account

We will transfer the amount that is needed from your savings account to cover any negative balance in your checking. This service is free. It is always the first choice method for protecting you from an overdraft situation in the case of a written check.

Transactions involving your debit card or ATM card that cause an overdraft in your checking account will immediately access your Courtesy Payment service.

2. Courtesy Payment

When you don’t have enough money in your savings account to cover a checking overdraft, Courtesy Payment will protect you from bouncing a check up to a limit of $500. There is a $25 fee for each time the Courtesy Payment service is accessed. You have 30 days to repay the amount covered via Courtesy Payment. This service is not an invitation to overdraw your account; it is an added layer of safety if you should accidentally write a check for more than you have in your checking or savings account. There is no charge for this service unless you use it.

Courtesy Payment provides you with several benefits:

• Protects you from the embarrassment of a returned check from a merchant
• Avoids additional fees for returned checks and late fees from the merchant
• Protects you in case of an error in your checkbook

Note: Eligible members are automatically enrolled in Courtesy Payment, 30 days after opening your checking account. You may opt out of Courtesy Payment.