Courtesy Pay

The Credit Union recognizes that sometimes you may overdraw your checking account. In such cases the Credit Union may decide to honor checks and other electronic means for which there are insufficient funds. This is the Credit Union’s Courtesy Pay service. The Credit Union provides the Courtesy Pay service as an accommodation to you and is not obligated to do so, even when it has done so in the past. Courtesy Pay is given by default at account opening, however you must give affirmative consent (opt-in) for ATM withdrawal and MasterCard Debit Card transactions.

By participating in the program, the Credit Union may honor overdrafts, including checks, automated debits (ACH), point-of-sale (POS) transactions, MasterCard Debit Card transactions, and ATM withdrawals up to your assigned Courtesy Pay limit.

Unless the Credit Union currently has your affirmative consent (opt-in), we will not be able to approve your overdrafts for ATM withdrawal and MasterCard Debit Card transactions. You must tell us you want overdraft coverage for these transactions. To request overdraft coverage for your ATM withdrawal and MasterCard Debit Card purchases, contact us at (760) 337-4200 to give us verbal consent. At account opening, or in the future, you may also give us consent by completing and signing an Overdraft Consent Form, and return it to any Credit Union branch or mail it to us at the address stated below. In any case, the Credit Union will provide you with written confirmation of your opt-in choice.

When an overdraft is covered, the account will be taken negative by the dollar amount of the overdraft plus the amount of the Courtesy Pay fee.

The maximum dollar amount of overdrafts plus the Courtesy Pay fee the Credit Union will cover for each member varies, based on the assigned system generated Courtesy Pay limit.

When the Credit Union honors overdraft items, you must deposit funds immediately, but in no case more than forty-five (45) days from the date the account went negative. If you fail to cover the total overdraft amount within forty-five (45) days, the Credit Union may close your account and pursue all collection options available to it. The Credit Union may, but is not obligated to, transfer funds from other accounts you have with us to cover the overdraft.

The Courtesy Pay service fee is a flat fee charged regardless of the transaction amount or the amount the account is overdrawn, and will be charged for each overdraft item presented and paid by the Credit Union. The charge for Courtesy Pay service is stated on the Fee Schedule.

The Courtesy Pay service fee is assessed on your available balance, not your balance.  Your available balance takes into consideration such items as, but not limited to, pending transactions, preauthorization holds, and holds placed on a deposit.

  • For example, your account balance is $500 and gas was pumped which caused a preauthorization hold of $100.  The amount of gas that was pumped was $50.  The available balance is now $350 due to the preauthorization hold of $100 and $50 for the gas that was pumped.  In this scenario, if an item for greater than $350 was presented and we honored it, a fee would be assessed. 

Courtesy Pay is a discretionary privilege offered to members and not a right of membership. The Credit Union encourages you to properly maintain your accounts with us. You agree the Credit Union will not be held liable for either paying or refusing to pay any overdraft item. The Credit Union reserves the right to discontinue this service at any time, without any notice.

If you decide to opt-out of Courtesy Pay, you must inform the Credit Union by using any one of the following methods: in person; by calling us at (760) 337-4200; or by sending written notice to Sun Community Federal Credit Union, P.O. Box 4210, El Centro, CA 92244-4210.