Courtesy Pay is a discretionary overdraft service available to eligible People Driven Credit Union members with checking accounts in good standing. If you do not have enough available funds to cover a transaction, we may choose to pay it for you up to the applicable limit.
What Courtesy Pay may cover
Courtesy Pay may apply to checks, ACH transactions such as electronic bill payments, and recurring debit card payments. If you want Courtesy Pay to apply to everyday debit card transactions, such as point-of-sale purchases or ATM transactions, you must first opt in.
Important to know
Courtesy Pay is not a line of credit, and it is not guaranteed. Eligibility depends on your account history and other factors, and we may decline to pay a transaction even if your account is eligible. If we do pay an overdraft item, a fee may apply for each transaction. Any negative balance must be repaid promptly, and repeated or excessive use may result in the service being suspended or discontinued.
Need help or want to opt in?
To ask about Courtesy Pay, request opt-in coverage for everyday debit card transactions, or review current fees, contact us or review our fee schedule.
