Mistakes do happen. Typically, when you overdraw your account, it's due to a simple mistake. At TCCU, we understand, and that's why we offer a Courtesy Pay Program; a special service available to eligible members to help out when those occasions arise.
With our Courtesy Pay Program, (or one of our other overdraft options), shortages can be covered, allowing transactions to be processed without the worry and expense of merchant NSF fees.
This benefit covers eligible overdrafts up to $500.00, including fees, at TCCU's discretion.
Courtesy Pay is subject to a fee of $30 per instance. This is the same per instance fee we charge for non-sufficient funds (NSF), but also provides you with:
- Protection from merchant returned check charges
- Protection of your credit
- Protection from the embarrassment of non-sufficient funds and returned checks
Courtesy Pay will be extended for each individual checking account you want covered. You may change your Courtesy Pay option at any time, opting in or out as you wish. Contact us via email or call us at 817-884-1470, extension "0" during normal business hours to make any changes. Please allow two to three business days for your request to take effect.
Two Options for Courtesy Pay
- Option #1 - Courtesy Pay for checks and automated clearing house/electronic payments (ACH)
- Option #1 is automatic
- Option #2 - Courtesy Pay for checks and automated clearing house/electronic payments (ACH) PLUS debit card & ATM transactions
- You MUST opt-in for Option #2
You may select either, or decline the service all together. Note that if you don't make a selection, you will automatically be considered to have chosen Option #1.
Other Options for Overdraft Protection
Transferring funds from another TCCU account
You can set up an automatic transfer from your other accounts with TCCU. If a transaction is submitted against insufficient funds, we'll draw needed funds from your other account (including any fees) as available. If you do this and also sign up for Courtesy Pay, we'll access your other account first for needed funds before using Courtesy Pay and imposing the Courtesy Pay fee of $30 per transaction.
Accessing funds available from a line of credit
You can apply for a line of credit to be used as Overdraft Protection. We'll withdraw the funds needed to cover your transaction, from the existing line. Again, if you also have Courtesy Pay, we'll access the line of credit first before using Courtesy Pay and imposing the Courtesy Pay fee of $30 per transaction. Apply for a line of credit.
Note that each option may have eligibility requirements and may be subject to usage fees. Review TCCU's Fee Schedule here.
Opt-in to Courtesy Pay Today!
Contact us via email or call us at 817-884-1470 x "0"