Have you ever been short of funds in your checking account and had an item returned? Any one or all of the following services can be used to protect your account. Here are three options to protect your checking account from costly errors:
Option 1: Savings
Most of your savings accounts can be designated to protect your checking account from an inadvertent error. You prioritize the order in which your savings accounts would be accessed. For example, you may want your Primary Share account to be accessed before your Holiday or Vacation accounts.
Option 2: Signature Line of Credit Loan
A great feature of our Signature Line of Credit is the optional overdraft protection it provides for your checking account. Lines are available from $500 to $10,000 with a minimum transfer amount to checking of $50. Now you can get cash at an ATM from a signature line of credit. Call our Member Service Center to sign up.
Option 3: Courtesy Pay
Double Your Protection. Courtesy Pay is your second defense against returned checks and negative credit scores. It is a service that adds a measure of protection to your personal checking account, protects your credit rating and pays your bills on time.
Courtesy Pay may cover your insufficient funds items, up to a limit of $500.00, for a $35.00 fee per covered overdraft transaction, including checks, in-person withdrawals or other items presented by electronic means (Including recurring payments using your account or Visa Debit Card). You then have up to 30 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at one of our branch locations. That means, instead of returning a check because of insufficient funds, we may pay your item saving you additional third party charges. It saves you the embarrassment an inadvertent overdraft can cause and helps you protect your credit rating.
Courtesy Pay is offered as a privilege and People First reserves the right to return a check or ACH request when sufficient funds are not available in your account.
You are automatically signed up for this service as long as you meet the qualifications established in the People First FCU Courtesy Pay Agreement.
The chart below summarizes the various methods available to access funds in your checking account, along with the overdraft options available.
Access Method | Option 1: Savings | Option 2: Signature Line of Credit | Option 3: Courtesy Pay |
---|---|---|---|
Check | Yes | Yes | Yes |
Pre-Authorized Payment/Debit | Yes | Yes | Yes |
Point of Sale Transaction with a Visa Debit Card | Yes | Yes | Yes - Courtesy Pay Plus opt-in is required |
ATM Withdrawal | Yes | Yes | Yes - Courtesy Pay Plus opt-in is required |
View our Courtesy Pay Agreement .
In order to access the agreement and disclosure, you must have Adobe Acrobat Reader, a free software for viewing and printing Adobe PDF files.
En People First FCU estamos mejorando la accesibilidad y la facilidad de uso de nuestro sitio web para nuestros miembros actuales y los miembros potenciales. Nuestros esfuerzos se basan en los estándares de las pautas de accesibilidad al contenido web (WCAG) 2.1. Nuestra política es asegurar que las personas con discapacidad tengan todas y las mismas oportunidades de beneficiarse de nuestros servicios en nuestro sitio web y en otros servicios en línea. Si tiene preguntas o necesita ayuda con el contenido de nuestro sitio web o los servicios en línea, por favor contáctenos en staff@peoplefirstcu.org o llame a nuestro Centro de servicios para los miembros al 610.797.7440.



Sus ahorros están asegurados federalmente por al menos $250,000 por la National Credit Union Administration y respaldados por la confianza y el crédito del gobierno de los EE. UU.


