A person paying for coffee with a debit card

Courtesy Pay

A Safety Net When You Need It Most

What Is Courtesy Pay?

Courtesy Pay is an overdraft coverage service available on eligible Service Credit Union checking accounts. When unexpected expenses occur, Courtesy Pay helps cover qualifying debit card transactions up to a set limit, reducing the chance of declined purchases.

Understanding how Courtesy Pay works can help you manage your account with greater confidence and avoid unnecessary disruptions.

What’s Covered:

Written checks and ACH withdrawals
Cash On-Us checks
In-branch withdrawals
Recurring debit card transactions

A $19 overdraft fee applies per presentment for any transaction covered under Courtesy Pay.^*

Standard Courtesy Pay

Coverage You Can Count On
Automatically applies after 30 days when eligible. Covers checks, ACH and recurring payments.^*

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Everyday Debit Coverage

Covers One-Time Card Purchases
Opt in to extend your protection to debit card and ATM transactions.^*

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Transparent Fee Structure

One Flat Fee
You’ll never be surprised. Courtesy Pay costs $19 per covered transaction, listed here in our fee schedule.

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Courtesy Pay FAQs

Answers to your most common questions.

How do I opt in?

Call us at 800-936-7730 or visit a branch to see if you are eligible for Everyday Debit Courtesy Pay.

Will Courtesy Pay cover every transaction?

Not necessarily. We reserve the right not to pay an overdraft, for example, if your account isn’t in good standing or you've had excessive overdrafts.

What accounts are not eligible?

Fiduciary accounts (such as Trust, Estate and Escrow accounts) do not qualify for Courtesy Pay.

Can I get coverage for debit card purchases?

Yes—once enrolled in standard Courtesy Pay, you can opt in to cover one-time debit and ATM transactions with our Everyday Debit Courtesy Pay.

When does Courtesy Pay start?

30 days after your first deposit into a new checking account, if you meet eligibility criteria.

*A $19 overdraft fee will be assessed per presentment for the Dividend Checking account and Everyday Checking account. Courtesy pay is only permitted on one Checking account per membership. The checking account will not become eligible for Courtesy Pay until 30 days after the initial deposit to the checking account. Member must opt in to include everyday debit card transaction in Courtesy Pay. Fiduciary accounts including Trust, Estate and Escrow accounts are not eligible for Courtesy Pay. Everyday debit card and ATM transaction that are less than or equal to $15 will not be charged a fee even if the result is an overdraft. If the one time everyday debit card or ATM transaction that results in an overdraft is $15.01 or more, the $19 fee will be assessed, if you opt in. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, Automated Clearing House (ACH) debits including International Bill Pay transactions, or by other electronic means. You may be charged a fee each time a transaction is presented for payment, even if the same transaction is presented for payment multiple times. You have 33 days to pay your negative balance before you will be considered no longer in good standing with Service Credit Union. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or you have too many overdrafts. Overdraft transfers and fees are activated based on your available balance, which may be less than your current balance, depending on pending charges, holds and pledges on your account. Additional restrictions may apply.