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Overdraft Protection/Courtesy Pay

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 & Courtesy Pay Plus

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 Plus is an added level of Courtesy Pay protection.  Courtesy Pay Plus may cover one-time debit card transactions and ATM withdrawals.  To be covered by this extra protection, you must opt-in through our eAccount Services page on PC Access (under additional services) or visit any branch location to sign the Courtesy Pay Plus Opt-In form.  Eligibility for both Courtesy Pay services is required.

Both Courtesy Pay services are 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 MethodOption 1: SavingsOption 2: Signature Line of CreditOption 3: Courtesy Pay
CheckYesYesYes
Pre-Authorized Payment/DebitYesYesYes
Point of Sale Transaction with a Visa Debit CardYesYesYes - Courtesy Pay Plus opt-in is required
ATM WithdrawalYesYesYes - Courtesy Pay Plus opt-in is required
PLEASE NOTE: Overdraft protection from a savings account or a signature line of credit is only available if you sign up for the coverage and there are funds available to transfer. Courtesy Pay is automatically turned on if you meet the qualifications for this service.


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.

At People First FCU we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines (WCAG) 2.1. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact us at staff@peoplefirstcu.org or by calling our Member Service Center at 610.797.7440.

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