When you write a check, use your debit card to make a purchase, make an automatic bill payment or withdraw more money from your account than is available, you overdraw your account.
For Courtesy Pay which is a discretionary service, HFS FCU has the choice to either pay the amount or not. If we pay the amount even though you don’t have the money in your account, you may be charged an Overdraft Fee. If HFS FCU returns your check without paying it, you may be charged a Bounced Check or Nonsufficient Funds fee. The person or company that you wrote the check to may also charge a Returned Check Fee, in addition to the fee HFS FCU charges you.