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Courtesy Pay is a benefit offered to qualified members providing a limited level of protection from non-sufficient funds (NSF) returned checks, returned check charges from merchants, and declined debit and ACH transactions. Courtesy Pay is not a loan.
What is the benefit of Courtesy Pay?
With Courtesy Pay, overdrafts in your checking account may be honored by Justice FCU up to your approved limit. Limits may vary for each individual account.
How do I know if I have Courtesy Pay?
If you have any one or more of the following accounts Courtesy Pay overdraft protection is a benefit available to you*-
How much will Courtesy Pay cost me?
Courtesy Pay is assessed at $30 per-item.** If you overdraw your account with an NSF item that is paid by the Credit Union, the cost to you is $30 for EACH item presented and paid.
Example: If two NSF items are presented to the credit union, you will be required to pay the amount of the two overdrafts, PLUS $60 in Courtesy Pay fees, ($30 per NSF item presented).
Fees charged for covering an overdraft, as well as the amount of the overdraft items(s) will be subtracted from your available Courtesy Pay limit.
How is Courtesy pay applied to my account?
Courtesy Pay is applied in order in which items are presented. With daily automated postings we first post Visa debit transactions, ACH debits then checks.
When do I have to repay the overdraft?
Any overdraft amount, plus a per-item Courtesy Pay fee is due and payable in 30-days or less. All deposits you make will first be applied to recovering any overdrawn balance.
How can I be notified if my account is overdrawn?
Enroll in eLERT – Justice FCU’s free instant email notification service. With eLERT you can choose to be notified when any of the following occurs-
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Share balance under minimum amount |
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NSF/Returned item |
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An overdraft occurred |
How will I know if my account is overdrawn?
You may-
Can I opt-out of Courtesy Pay?
Yes. Members who wish to opt-out of the Courtesy Pay program may do so any time by contacting Member Services during the hours of 8:30 AM – 8:00 PM EDT, Monday – Friday, at 800.550.5328.
Justice FCU reserves the right to suspend Courtesy Pay privileges any time we believe there has been misuse of the program, if your account is not in good standing, or if you exhibit poor account management.
*Excludes members that have chosen to opt- out or have had service revoked.**Student Reward Checking rebates $25 of the $30 assessed per-item back to the student’s checking account.
Alternative Options to Courtesy Pay
Transfer Option
Your monthly statement is the key to keeping your checking account balanced. A balanced checking account makes you less susceptible to non-sufficient fund (NSF) occurrences (‘bouncing’ a check) because you have a clear idea of your balance at all times. It is important to balance your checking account at least monthly.
Remember to keep record of all checking account transactions such as: deposits, withdrawals, Debit card withdrawals, credits of dividends (interest) paid to you, and fees such as ATM, or NSF fees.
Direct Deposit
Both Direct Deposit and Payroll Deduction are available to you free of charge. Your funds are automatically deposited to your account at pre-set times so your money is there when you need it.
Automatic Transfers
You can also set up an automatic transfer of funds from your other designated credit union accounts to cover overdrafts in your checking account.
Don’t forget you have FREE electronic options through MemberLink Home Banking or the Informer, telephone banking 24/7.
The Informer—Telephone Banking
The Informer offers 24/7 convenience. Obtain your account balances, transfer funds, search for cleared checks, and so much more.
MemberLink —Home Banking
MemberLink is the ultimate in convenience. From your home, work, or any PC, you can review your account balances, transfer funds, balance your checkbook and more. It’s easy to set up and easy to use! Enroll now.
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