Overdraft coverage1 is something you may never think about — until you need it. Overdraft coverage gives you peace of mind that your transactions will be paid, regardless of whether sufficient funds are in your account. With overdraft coverage:

  • You never pay until you use it.
  • You avoid the fees and inconvenience of having an item returned to a merchant unpaid.
  • With CourtesyPay, you also avoid the embarrassment and inconvenience of having your check card declined at the ATM or while making a purchase.


There are several coverage options from which to choose. As you consider your options, think about the transactions you make most often. If you use your check card often or if you use it to purchase necessities like gas or groceries, consider CourtesyPay. Learn more...


Enrolling in CourtesyPay is easy. Simply follow the steps below. It only takes a few minutes.

  1. Call 1-877-803-4810
  2. Press 1
  3. Enter the primary account holder’s Social Security Number for accounts to be enroll
  4. Enter the account number followed by the pound (#) key
  5. Press 1 to enter an additional account number (up to six per call) or hang up to end the call.


That’s it. An enrollment confirmation will be mailed to you for your records.


1 Overdraft coverage is provided at the bank’s discretion, and we are under no obligation to pay items when your account funds are insufficient. Your account must be in good standing for coverage to be extended. We do impose limits on the number of and amount of overdrafts we will pay. Your overdraft limits will change based on your account standing. Overdraft coverage is typically not extended to new accounts until after 90 days. Based on the terms of our Deposit Account Agreement, you are required to immediately pay the bank the amount of any overdraft and applicable fees. Fees for individual occurrences range from $25 to $36 based on your overdraft history. An overdraft collection fee of $35 is assessed if your account remains overdrawn for seven calendar days.