Courtesy Pay

Avoid Insufficient Funds

Unforeseen expenses sometimes occur, and you might not have enough money in your account to cover those costs. Courtesy Pay from HFCU saves you from the inconvenience and embarrassment of insufficient funds in your account. Plus, you’ll have the added measure of protecting your credit rating.

How does it work?

HFCU will cover your overdrafts up to $500, including fees. This is not a line of credit. There is a fee each time we pay an overdraft, but you will not be caught in the predicament of having your debit card transaction declined due to lack of funds. Courtesy Pay covers overdrafts from checks and Automated Clearing House (ACH) transactions. And, only if you opt-in, Courtesy Pay will also cover overdrafts from Automated Teller Machine (ATM) withdrawals and debit card transactions.

How to Repay

You must repay the negative balance in your account within 30 days. If you exceed the $500 total limit, including fees, items will be returned for non-sufficient funds (NSF) and you will be charged an NSF fee. Get started by signing up for Courtesy Pay by completing the form below.

Overdraft Line of Credit

Protect your checking account against overdrafts. Overdraft Line of Credit protection can cover those times when you may need more money than you have available in your checking account.