Courtesy Pay, For Peace Of Mind

It happens to the best of us. You do your math wrong or a deposit doesn't arrive on time. Well, we've got the solution for you.

With our Courtesy Pay program, rather than automatically returning your unpaid non-sufficient fund items, we will consider, without obligation on the part of the credit union, the payment of overdrafts up to a set limit. Your limit will vary based on whether or not you have direct deposit to your checking account.

The service applies to non-sufficient funds for the following kinds of transactions:

• Share drafts (checks)
• ACH transactions
• Debit card purchases
• ATM withdrawals

The regular non-sufficient funds fee applies to each item or transaction honored under the Courtesy Pay program.

Members will be notified of any Courtesy Pay activity and be expected to return their account to a positive balance within 7 days of the overdraft.

The credit union may not pay the overdraft if the member has any of the following:

• Reached his/her Courtesy Pay limit
• Opted-out of the service
• Abused the service
• Not met other obligations with the credit union

Courtesy Pay, is a non-contractual, discretionary service, and there is no guarantee the credit union will cover transactions that would overdraw your account.

Courtesy Pay is automatically available to any member in good standing who is not a minor, has a People's Community Federal Credit Union checking account and has been a member for more than 30-days.

Use it wisely. And, we'll be ready to help. Want more information? Contact us. For our locations, hours and telephone numbers, click here.