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Our phone system issues have been resolved and we are now able to receive calls. However, we are experiencing higher-than-normal call volumes due to the recent disruption. We appreciate your patience and encourage you to use Online Banking and the Mobile App for faster service. Thank you for your understanding.

Did you know?

Forget generic plastic, go wild! Nicknames, teams, or just a sprinkle of you – personalize your Altura cards with a second line and make them truly yours.
Second Line on Debit and Credit Cards - Altura Credit Union

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What is the Difference Between Courtesy Pay and Overdraft Protection? Is There a Courtesy Pay Fee?

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. 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. Learn more about courtesy pay.

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. There is a fee for overdraft protection. Learn more about overdraft protection.