Courtesy Pay allows HFS FCU to offer a discretionary service to qualified members so various transactions such as checks, debit card transactions, and electronic payments are paid if there are not enough funds in your account. With this service, you’ll pay an Overdraft Fee to HFS FCU for each item that overdraws your account but, you will avoid the merchant’s Returned Check or Non-Sufficient Funds fee and stay in good standing with the people you do business with.
Member’s must opt-in for everyday debit card transactions to be covered under Courtesy Pay.