Courtesy Pay for everyday debit card transactions is an added level of protection that many members have for their Checking Accounts. This “just in case” service is often preferred by members over being declined a transaction at the cash register. Members should speak to a Member Service Representative to opt in.
If you do not opt in, Courtesy Pay will not apply to your everyday debit card transactions. These transactions typically will be declined when you don’t have enough money in your account, and you will not be charged a fee.