Overdraft Protection - AmeriCU Credit Union

Courtesy Pay

As long as your account is in “good standing”¹ AmeriCU may approve your overdraft items within your current available Courtesy Pay limit. For this service, you will be charged an overdraft fee of $28 for each overdrawn item created by check, ACH, other electronic means and recurring debit cards transactions. Also, at your request*, ATM withdrawals and one-time debit card transactions, paid under the limit. All negative balances must be brought positive within 30 days or your Courtesy Pay limit will be suspended.

Your Courtesy Pay limit is a non-contractual courtesy granted after your account has been open for 30 days. The current Courtesy Pay limit for AmeriCU’s Freedom Checking, High Rate Checking, and Rewards Checking accounts is $500 per account.

Learn More About Overdraft Protection

Tips to limit usage

Because using Courtesy Pay can become costly at $28 per use, we encourage you not to rely on this service too regularly. The best way to avoid these charges is to be sure you always have enough in your account to cover your transactions. If you are having trouble making ends meet, AmeriCU offers other, less expensive methods to help you make sure your checks or withdrawals are honored, including:

Online & Mobile Banking: Check your account balances, even on the go, to be sure you have enough in your account. Also, our Money Management budgeting tool helps you plan for upcoming expenses.
eAlerts: Get notified by email or text message when your account balance is below any dollar amount you specify.
Other Overdraft Protection Methods: Linking your checking account to an alternate savings or checking account, personal line of credit, Home Equity Line of Credit, for overdraft protection. View all personal products.

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

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* Please note: Courtesy Pay coverage on ATM and everyday debit card transactions requires members to opt-in to this portion of the program. Coverage for ACH, checks and recurring debit card transactions are automatically added to eligible accounts.

¹ Please refer to our Membership and Account Agreement for definitions of “good standing”.

Courtesy Pay is a non-contractual courtesy which is available to individually/jointly owned accounts in good standing for personal or household use. AmeriCU Credit Union reserves the right to limit participation to one account per household and to discontinue this service without prior notice. AmeriCU Credit Union reserves the right not to pay if your account is not kept in good standing. When you request your balance, the Courtesy Pay limit will NOT be included in the balance we provide to you.