Courtesy Pay

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 (fee applies) 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 required you to opt-in in order to expand the Overdraft Privilege Program to your Visa Debit Card transactions and ATM transactions. You can opt-in in ItsMe247 Online Banking.

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.