Courtesy Pay

Overdrafts Can Occur — Here's What to Know About Courtesy Pay

 

Courtesy Pay is a discretionary overdraft service that may be available on eligible accounts. It is intended for occasional and unexpected situations where a transaction might otherwise be declined or returned due to insufficient funds. Courtesy Pay is not guaranteed, and the decision to pay an overdraft item is made at the institution's discretion based on account history, activity, and other factors.

How Courtesy Pay Works

If you do not have enough available funds in your account, the institution may, at its discretion, authorize or pay certain transactions into overdraft, up to an assigned limit. Transactions that may be considered include checks, ACH payments, debit card transactions, and ATM withdrawals.
 
When an overdraft is paid, an overdraft fee will apply.
 
  • Overdraft fee: $30 per paid item
  • Daily maximum: Up to $150 in overdraft fees may be charged per day. 
  • De Minimus on resulting balances: $5
*Courtesy Pay should not be used as a regular or ongoing method of managing account balances.
 
Your Options
You have choices to help manage or avoid overdrafts: 
 
  • Account alerts to track balances and upcoming activity
  • Account linking to transfer funds from another eligible account
  • Declining Courtesy Pay for ATM and everyday debit card transactions (Reg E opt-in choice) 

About Opting In (Regulation E)

For ATM and everyday debit card transactions, Courtesy Pay is only available if you choose to opt in. Opting in is entirely optional and should be based on what works best for your financial needs. We do not require or encourage any particular choice. 
 
If you do not opt in, these transactions will generally be declined when funds are not available. 
*Fees may still apply.
 

Opting In is Easy