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Courtesy Pay

With Courtesy Pay from Altura Credit Union, you can have confidence that your transactions will always be accepted and your checks will never bounce.

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Protecting You from Overdrafts

If you have payroll direct deposit (PDD) in your Altura checking account, you qualify for our Courtesy Pay service. With courtesy pay, you have extra protection against insufficient funds. If you ever don’t have enough money in your account to cover a transaction, Courtesy Pay kicks in. Altura Credit Union will cover the difference up to a certain amount. You don’t have to worry about transactions being declined or your checks bouncing.

To use Courtesy Pay, you will have to pay a fee. This fee is only applied when Altura needs to help you cover a transaction associated with your account. With Courtesy Pay, the transaction is paid for, the fee is assessed, and the account is taken negative. Altura does this if you have payroll direct deposit because we know you will have a deposit soon to cover the overdraft.

Courtesy Pay definitely makes your life a little easier! Keep in mind, however, that Altura pays overdrafts at its discretion. That means we do not guarantee that we will always authorize and pay any type of transaction. 

 

How It Works

If you want to continue using Courtesy Pay, you must opt-in. If you do not opt-in, the service will be discontinued on your account. Your debit and ATM transactions will also be denied if you have insufficient funds in your account. You can opt-out of this service at any time.

To opt-in to Courtesy Pay and assure that your account continues to receive this overdraft protection service, contact Altura Credit Union’s member services. You can call 1-888-883-7228 or visit your local branch. If you want more information, you can also download the complete details of this service by clicking here.

FAQ's

What Does NSF Mean?

If you do not have the appropriate funds to make a purchase, the bank will not automatically cover the transaction for you. Instead, you will be charged a non-sufficient funds (NSF or insufficient funds) fee. Options like courtesy pay and overdraft protection prevent you from being charged NSF fees.

What if I Also Have Overdraft Protection?

Altura will utilize overdraft protection first before using courtesy pay to cover a transaction. This way, your transactions still get covered, and you will not have to worry about the courtesy pay fee.

What is the Difference Between Courtesy Pay and Overdraft Protection?

Both of these services help protect you from NSF. However, the source of money is different. With courtesy pay, you are essentially paying for a transaction based on future funds. This service is only available to members who have payroll direct deposit set up with their accounts. The credit union covers a cost because even though you don’t have the funds right now, they know you will have a direct deposit soon.

On the other hand, overdraft protection comes from your savings account or credit card. When you don’t quite have enough in your checking account to cover a transaction, overdraft protection kicks in.

Disclaimer Information

Courtesy pay is not available for iChecking accounts at this time. See Schedule of Fees for NSF and Courtesy Pay fees. Altura Credit Union reserves the right to discontinue Courtesy Pay on member accounts at any time.

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