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):
- ATM transactions
- Everyday debit card 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.