Looking for peace of mind in your banking? Courtesy Pay is here to help!
Courtesy Pay is an elective service for overdraft protection for debit card transactions. It's a convenient and valuable feature that provides you with the security that your transactions may be covered even if you do not have sufficient funds in your account at the time the transaction posts.
Benefits include:
- Can help avoid fees and penalties from merchants due to insufficient funds
- Debit card transactions may be covered at point of sale, even with insufficient funds.
- Can be used as a tool for unforeseen bills or emergencies when you might be short on cash.
- Protect your credit score by ensuring payments go through and are made on time.
To opt in, visit a branch or easily enroll via our digital banking application. If you have any questions about Courtesy Pay or need assistance with the opt-in process, contact us today at 614.235.2395 or 800.282.6420, option 4.
Additional Information:
- There is a maximum of 4 overdraft and/or NSF fees (in the aggregate) that may be charged per day, per account-share.
- You are required to provide your affirmative consent to us to authorize and pay overdrafts resulting from everyday Debit Card transactions.
- We may or may not authorize and pay overdraft transactions at the Credit Union’s discretion. If an overdraft transaction is not covered by us, your account could be charged a non-sufficient funds $27 fee and may be subject to additional fees imposed by the merchant.
KEMBA can also assist you with overdraft coverage in the following ways, without courtesy pay:
- Standard overdraft practices that are pre-included with your account.
- Overdraft protection plans, such as transferring funds from your savings account, if you have one, to your checking account as needed to cover certain transactions, which may be less expensive than our standard overdraft protections practices.