Federal regulations require members to opt in to participate in Courtesy Pay for everyday debit card and ATM transactions. Courtesy Pay* automatically covers checks, debit ACH payments and recurring debit transactions on eligible checking accounts. Courtesy Pay Overdraft fees are $30 for Five Star and Classic Checking Accounts and $10 for Student Checking. Service Credit Union will never charge you a fee for everyday debit card transaction overdrafts until your negative balance exceeds $25 if you opt in.
*A $30 overdraft fee will be assessed per item for the Five Star Service Checking account and Classic Service Checking account. The Basic Service Checking account is not eligible for this service. A $10 Courtesy Pay fee will be assessed per item for the Student Checking account. Fee is waived for everyday debit and ATM transaction overdrafts until your account balance exceeds $25, if you opt in. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, or by other electronic means. 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.