If no overdraft option is chosen, checks and other items, at our discretion may be returned to the payee for insufficient funds and a $25.00 returned item fee may be charged as a well as a returned check fee charged by the payee. Debit card transactions may be declined and other electronic account transactions may be returned and applicable fees assessed. There is no charge for opting in, but if there are insufficient funds in the account and Courtesy Pay or Courtesy Pay Plus is used, then there is a per item fee each time an item is paid. The fees for both Courtesy Pay and Courtesy Pay Plus include:
If there are insufficient funds in your checking account to cover an item, funds may be transferred from your savings or another checking account to cover the overdraft. There is no fee for this service. You must have a sufficient balance in your savings or another checking account to transfer to your checking account to clear the item.
The Courtesy Pay program may pay (1) checks and (2) ACH items (electronic debits) if there are insufficient funds in your account to clear the items. The fee schedule for this program is found below. Your are automatically opted-in to Courtesy Pay at account opening.
In addition to clearing checks and ACH items (electronic debits), the Plus program would include the clearing of debit card and ATM transactions if sufficient funds are not available. The fee schedule for this program is found below. Courtesy Pay Plus is not automatic. You must “opt in” and be approved for Courtesy Pay Plus.