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American 1 Credit Union Go to main content

Courtesy Pay

As an added service to those who qualify, we provide a pre-approved $500 overdraft limit to your personal checking account. If you overdraw, we may pay each item up to your $500 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:

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

Contact us for details about our opt in procedures, and read our disclaimer to the right.

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Federally Insured by NCUA. Equal Housing Opportunity. In compliance with the USA PATRIOT Act, we are required to obtain and verify identification provided for all new account owners and joint owners, using methods permitted by law.
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