Courtesy Pay

Overdraft protection and courtesy pay

Courtesy Pay is a discretionary service offered automatically by Members 1st to eligible checking accountholders to pay items presented for payment in the event you have an insufficient available balance. Courtesy Pay is only used when no funds are available in your checking account or you have exhausted funds from enrolled overdraft savings or line of credit sources. 

Understanding your options

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Overdraft protection

You can link your checking account with a savings or money market account to cover overdrafts. 

Lines of Credit can also be used as overdraft protection for a checking account. There are no fees for these transfers, but the loan will accrue interest based on your APR. You can use either a personal line of credit or a home equity line of credit for overdraft protection. Set up overdraft protection in any branch, over the phone, or online. 

Set up online
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Courtesy pay

If your insufficient funds can't be covered by free overdraft protection, courtesy pay is your backup. We will temporarily fund your check, ACH debit, bill pay, or recurring debit transaction—so you can avoid returned checks and hefty late fees.

Give us as call
Extra courtesy pay

Extra courtesy pay works just like regular courtesy pay, but it also covers ATM and debit card purchases. If you're interested in extra courtesy pay, give us a ring or stop by your nearest branch.

Give us a call

Common Questions

If you choose to use courtesy pay, there is a service charge for each transaction. This fee is far less than many of the late fees you may be charged by merchants, organizations, or other payees for insufficient funds.

You can find your courtesy pay limit by logging into online banking or on the dashboard of our mobile app. The limit may change periodically.

Courtesy pay can be used to cover check, ACH debit, bill pay, and recurring debit transactions. For ATM and debit card purchases, you must request for us to cover and pay those items with extra courtesy pay.

You can easily opt out (or back in) on the Members 1st mobile app or with this form.

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Still have questions?

We're here to help. Give us a call or stop by a branch.

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