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Courtesy Pay Q & A
 
Q:  WHAT IS COURTESY PAY "OVERDRAFT" PROTECTION ON MY ATM/DEBIT CARD?
A:  When you use your debit card at a store, if the $ purchase amount is over your amount in your deposit account, the credit union will pay the purchase amount and take your account into the Courtesy Pay "overdraft"…it's like a mini-loan! This is the same on your ATM transactions when you do not have enough funds on deposit.

Q:  DOES THE CREDIT UNION CHARGE ME A FEE FOR THIS COURTESY PAY "OVERDRAFT"?
A:  United Local Credit Union charges just $20 per "overdraft" into your Courtesy Pay. Then, you get 30 days to pay it back and restore your Courtesy Pay balance to zero. (NOTE: Many area financial outlets are charging as much as $40 per transaction!)
 

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