A Courtesy Pay fee is charged when an item is presented against your account for which you do not have enough funds to cover and the credit union pays the item rather than returning it to the merchant who will more than likely charge you an additional fee. This service is only for members in good standing and must be repaid within 10 days. The credit union does not guarantee that if they pay an item once, that they will continue to pay items. This service can be revoked by the credit union without notice if it is abused.