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Overdraft Solutions

“Overdraft” means there are not sufficient funds in your account to clear an item. CSB offers a number of overdraft programs for their consumers to avoid having a check returned for insufficient funds, having a ATM or debit card purchase declined online or in person, or having an ACH (electronic account debit) returned. These overdraft options include: (1) Overdraft Protection, (2) Courtesy Pay, and (3) Courtesy Pay Plus.

No Overdraft Option Chosen

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:

  • $30.00

Overdraft Protection

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.

Courtesy Pay

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.

Courtesy Pay Plus

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.

How to Opt-In or Opt-Out of Courtesy Pay Programs

  • In person at any branch location.
  • Online by logging in to Online Banking and clicking Secure Forms and choosing the Courtesy Pay or Courtesy Pay Plus Opt In/Out forms.
  • By mail.

CSB Courtesy Pay Agreement and Disclosure

Courtesy Pay Opt In/Out Form

Regulation E-Consent Form

Overdraft Solutions FAQ

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