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Courtesy Pay

As a Service CU member, you are automatically enrolled into our standard Courtesy Pay* offering if you meet the qualifications, after 30 days from your initial deposit into your checking account. Standard Courtesy Pay provides overdraft protection on payments in the following categories:

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

A $19 overdraft fee applies per presentment for payment under our standard Courtesy Pay offering.

Once you are enrolled in our standard Courtesy Pay offering, you may be eligible to opt-in to our Everyday Debit Courtesy Pay* option. To opt in, please call us at 800-936-7730 or 00800-4728-2000 (international), or visit a branch.

*Under the Everyday Debit Courtesy Pay option, a $19 overdraft fee will be assessed per presentment of one-time debit card and ATM transactions of $15.01 or more. For both our standard Courtesy Pay offering and our Everyday Debit Courtesy Pay option, the following additional terms and conditions apply: You will be charged a fee each time a transaction is presented for payment, even if the same transaction is presented for payment multiple times. 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. Fiduciary accounts including Trust, Estate and Escrow accounts are not eligible for Courtesy Pay.  You have 33 days to pay your negative balance before you will no longer be considered in good standing with Service Credit Union. We reserve the right not to pay an item, at our discretion. For example, we typically do not pay overdrafts if your account is not in good standing or you have previously had an excessive number of overdrafts, also at our discretion.  If we do not authorize and pay an overdraft, your transaction will be declined and subject to the returned item/insufficient funds fee listed on our Fee Schedule. Overdraft transfers and fees are activated based on your available balance, which may be less than your actual balance, depending on pending charges, holds and pledges on your account. Courtesy Pay will not cover overdrafts that cause the Checking account to exceed a negative balance of more than $1,250, including any prior fees assessed. All fees subject to change based on our current Fee Schedule. Additional restrictions may apply. See Account Agreement and Disclosure for more information.