We understand that when you're busy it's easy to lose track of your checking account balance. Now you can avoid declined payments and costly fees from merchants. 

Courtesy Pay Protection is a feature on your checking account that helps to avoid returned checks by automatically paying overdrafts. Rather than returning your check, the credit union will cover the difference up to $500 for Value and Kasasa Checking accounts.

Whether you want to have our overdraft services cover your ATM and everyday debit card transactions is your choice, and only occurs if you opt-in — accounts default to opt-out. Your ATM and everyday debit card transactions will not be protected under our overdraft protection unless you opt-in.

How much does it cost?

  • NO FEE to keep Courtesy Pay Overdraft Protection coverage on your account.
  • NO FEE to be able to use it.
  • Each time you use your Debit Card without sufficient funds in your account, you'll pay a $28 Courtesy Pay/Overdraft fee, and we do not limit the number of overdraft transactions that may occur.

If I have Meritus Credit Union Overdraft Protection linked to a savings account, do I still need Courtesy Pay Protection?

The Meritus Credit Union Overdraft Protection you may already have on your checking account allows us to automatically transfer money from your savings account if the balance in your checking account runs low. However, if you don't have money available in these accounts to cover you, your Debit Card purchases will be denied. That's where Courtesy Pay and Overdraft Protections can help. It may allow your Debit Card to continue working if you don't have enough money available in your savings account.

What if I can't decide if I want these services?

We're happy to talk with you about options for managing your account. Call or visit a branch to discuss Courtesy Pay  and Overdraft Protections.

Fee for payment of each overdraft

Your account will be charged $28 for handling each overdraft paid by the discretionary Courtesy Pay overdraft protection.

The categories of transactions for which a fee for paying an overdraft may be imposed

This privilege is available to qualified members for checks, ACH items and Online Bill Pay items.

The time period by which the member must repay or cover any overdraft

You'll have up to 45 days to repay the overdraft to retain the Courtesy Pay privilege.

The circumstances under which the Credit Union will not pay an overdraft

In the event that you choose to not opt-in to the Courtesy Pay Program or if the privilege is revoked, all overdrafts will be automatically returned marked "NSF” and applicable fees per item will be charged to your account.