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Courtesy Pay

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Courtesy Pay (Overdraft Protection)

For members who qualify, Courtesy Pay provides a pre-approved $525 overdraft limit to your personal checking account. If you overdraw, we may pay each item up to your $525 limit. Every time you utilize Courtesy Pay, your account will be assessed a Courtesy Pay charge of $25 per item.

Courtesy Pay saves you from:

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

Plus, using Courtesy Pay doesn't impact your credit score, so you have the added safety measure of protecting your good credit rating.

Because of Federal regulations, you must opt-in to receive Courtesy Pay overdraft protection on ATM/debit card transactions. American 1 does not authorize and pay overdrafts for the following types of transactions unless requested:

  • Checking transactions
  • ACH and automatic debit transactions
  • Everyday debit card transactions
  • ATM transactions

Overdrafts are paid at American 1's discretion. We do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Read our full disclaimer here.