Courtesy Pay

As an added service to those who qualify, we provide a pre-approved $525 overdraft limit to your personal checking account. If you overdraw, we may pay each item up to your $525 limit. Your account will be assessed a Courtesy Pay charge of $25 per item. However, you won't pay for:

• Merchant returned check charges
• Collection agency fees for returned items

And you have the added safety measure to protect your good credit rating.

Because of new Federal regulations, you must now opt-in to receive Courtesy Pay overdraft protection on ATM and debit card transactions. You can either:

1. Ask to sign our opt-in form on your next branch visit, or
2. Fill out and submit the online form below

Please read each form thoroughly, and keep a printed copy for yourself after you submit the forms:

• ATM / debit transaction form

For your convenience, you can also opt-in to Courtesy Pay protection for ACH and check overdrafts.

• ACH / checking transaction form

Contact us for details about our opt-in procedures and read our disclaimer.