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ACH/Checking Transaction Form

What you need to know about Overdrafts and Overdraft Fees

American 1 CU does not authorize or pay overdrafts through

Courtesy Pay for the following types of transactions unless you ask us to (see below):

  • Checking account transactions
  • ACH and automatic debit transactions

If we do not authorize and pay an overdraft, your transaction will be denied. American 1 will charge the following fees to provide overdraft protection:

  • We will charge you a fee of up to $25 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

There are alternatives to Courtesy Pay, including linking your savings account or Visa to your checking account to cover overdrafts.

* Required Field
  I want American 1 Credit Union to authorize and pay overdrafts on my checking, ACH, and automatic debit transactions.

* Name
* Account Number

This will become effective within 48 hours.


This notice serves as a confirmation of your consent to activate Courtesy Pay overdraft protection on ATM and checking transactions. You can revoke your consent at any time by contacting a Member Service Specialist at any branch in writing or electronically through e-mail.

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