Courtesy Pay
Running short on cash? We’ve got your back!
Stay safe with courtesy pay
Make sure your transactions go through, even if you forget a payment or two, with Courtesy Pay.
- Convenient form of overdraft protection
- Make sure transactions clear, even if there aren’t enough funds in your account
- Two types of Courtesy Pay available:
- For checks, automatic bill payments, and ACH transactions
- For ATM transactions and one-time debit card transactions (opt-in required)
- If your Austin FCU loan is delinquent, Courtesy Pay will not work
- $33 fee for each transaction covered by Courtesy Pay for checks, ACH or one-time debit card transactions
- $45 fee for ATM transactions
Eligibility
In order to be eligible for Courtesy Pay, you must:
- Meet the qualifications for a checking account
- Have a direct deposit
- Have a current address on file
- Have an account in good standing
If you are a new member, your account will be eligible for Courtesy Pay after 90 days.
Limits
The maximum overdraft limit allowed to members who opt in to the Courtesy Pay program is $200.00. Higher limits may be available to qualified members.
To apply for a higher limit, please email [email protected] to request an application or fill out this form. Membership length requirements apply, and we may request proof of income.
Opt In/Opt Out
To have ATM and debit card transactions covered by Courtesy Pay, you must opt in to Courtesy Pay one of the following ways:
- Give us a call
- Send us a message through online banking
- Complete the Courtesy Pay Opt-In form and return it to us by mail or in person
You can opt out of Courtesy Pay at any time just as easily. Give us a call, send us a message in online banking, or complete and turn in the Courtesy Pay Opt Out form.
Learn More
Visit our FAQ page to find more information about Courtesy Pay. If you have any questions, please contact us.