Courtesy Pay is a discretionary overdraft service offered by People Driven Credit Union to eligible members with checking accounts in good standing. If you do not have sufficient funds available in your account to cover a transaction, we may choose to pay it on your behalf, up to a preset limit. This service is intended to help avoid declined transactions or returned items due to insufficient funds (NSF).
Courtesy Pay may apply to the following types of transactions:
- Checks
- ACH transactions (such as electronic bill payments)
- Recurring debit card payments
To extend Courtesy Pay coverage to everyday debit card transactions (such as point-of-sale or ATM transactions), you must provide affirmative consent (opt-in). Contact us to learn more or to request opt-in coverage.
Important Disclosures:
- Eligibility is based on account history and credit union discretion. Not all accounts qualify.
- A per-item overdraft fee will apply to each transaction we pay using Courtesy Pay. View our current fee schedule.
- There is no guarantee that we will authorize and pay any transaction, even if your account is eligible for Courtesy Pay.
Courtesy Pay is not a line of credit. Any negative balance must be repaid promptly. Repeated or excessive use may result in suspension of the service.
Courtesy Pay is a discretionary service provided by People Driven Credit Union. The credit union reserves the right to suspend or discontinue this service at any time. Terms, conditions, and eligibility requirements apply. For full details, contact us or review our Courtesy Pay disclosure.
