Courtesy Pay can be a valuable service because it protects your reputation and avoids the additional fees that are often charged by the merchant when an item is returned NSF.

We automatically offer Courtesy Pay to qualified checking accounts to cover checks you write or electronic ACH payments and we charge a $25 fee per item we pay. We reserve the right to return the item as NSF if you don't qualify for coverage. You may opt out of coverage. You must repay any overdraft balances and fees within 14 days.

 Federal regulation now requires you to opt-in in order to expand the Overdraft Privilege Program to your  Visa Debit Card transactions and ATM transactions. Consider Courtesy Pay as a safety net and opt-in for peace of mind. No one intends on overdrawing their account but accidents do happen. Opt-in to avoid a declined transaction when you need it most – like in a roadside emergency or an empty tank at the gas station. Plus, Debit Card Overdraft Protection doesn't cost anything until you need it. However, if you do not opt-in, any debit card transactions with insufficient funds will be declined.