Loading…
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.
If your insufficient funds can't be covered by 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.
Extra courtesy pay works just like regular courtesy pay, but it also covers non-recurring everyday debit card transactions. If you're interested in extra courtesy pay, give us a ring or stop by your nearest branch.
Is there a fee for courtesy pay and extra courtesy pay services?
Courtesy pay and extra courtesy pay services are subject to overdraft/non-sufficient funds (NSF) fees or courtesy pay fees dependent upon your Overdraft Protection plan and/or Courtesy Pay service(s) election(s). For more information, refer to the disclosure here.
How do I know my courtesy pay limit?
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.
What types of transactions are covered by courtesy pay?
Courtesy pay can be used to cover check, ACH debit, bill pay, and reoccurring debit transactions. For non-reoccurring everyday debit card transactions, you must request for us to cover and pay those items with extra courtesy pay.
How do I opt in or out of courtesy pay?
You can easily opt out (or back in) on the members 1st mobile app, online banking, by phone at (800) 283-2328 or at one of our branch locations.
We're here to help. Give us a call or stop by a branch.
We're Here to Help
Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.
Protecting what you care about shouldn’t be complicated or unaffordable. Our third-party insurance partners offer a full range of personal, group, auto, health and life insurance plans through the most respected companies in the business.
Your home will likely be the biggest investment you ever make. Here's everything you need to know—and who to talk to if you'd like some personalized guidance.
Save for big plans—a little at a time. With great rates and powerful in-app tools, it's never been easier to set (and achieve) your long-term goals.
Hear that? It's the open road calling. Here's how to get an auto loan quicker and smarter.
Welcome to the start of a new beginning. Here's how to avoid student loans and make the most of saving for college.
