​You have options to keep your account covered.

An overdraft is when you spend more than you have in your account. This could happen anytime you make a purchase, schedule a payment, or withdraw money that causes you to exceed your available balance. We know things don't always go as planned, which is why First Service Credit Union has several options to keep you covered.

Set Up Overdraft Coverage

Overdraft Coverage

You can opt in to either program, or both, to make sure that you're covered.

    Overdraft Transfer

    If your account is overdrawn, we’ll automatically transfer funds from your savings account or line of credit.7

    Courtesy Pay

    If you don’t have enough funds, Courtesy Pay can cover your checks, electronic payments, debit card purchases, and transfers.8 Learn more about our Courtesy Pay program below.

Compare Courtesy Pay Options

All eligible accounts are automatically opted in to Courtesy Pay for checks, electronic payments, and transactions processed through the Automatic Clearing House (ACH). If you would like Courtesy Pay to also pay one-time debit and ATM transactions, all you have to do is opt in.

Automatic Courtesy PayAdditional Courtesy Pay
DescriptionThis option is included with your account. We generally let your online bill payments and checks go through, but decline debit card transactions and ATM withdrawals.If you switch to this option, we may authorize ATM withdrawals and debit card transactions that overdraw your account.
ATM OverdraftsDeclinedCovered for $30
Debit Card OverdraftsDeclinedCovered for $30
Online Bill Payment OverdraftsCovered for $30Covered for $30
Check OverdraftsCovered for $30Covered for $30
ACH Transaction OverdraftsCovered for $30Covered for $30
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Requirements for Courtesy Pay

  • Age 18 or older.

  • Qualifying checking account in good standing (excludes Money Market and Fresh Start Checking).

  • No delinquent loans.

  • No tax levies.

  • Account must be at a positive balance at least once every thirty days.

Overdraft Protection FAQs

We provide 24/7, online access to your accounts, as well as monthly statements to let you know your available account balance. You can also set up free eAlerts to immediately notify you of account activity including overdrafts. Periodically, we may also send you reminder letters advising you of your overdrawn account until you bring your account to a positive balance once it has been overdrawn for more than 10 days.

If you would like to set up or change an account to transfer from in case of an overdraft, follow the steps below:

  1. Find the account you would like to change on the Accounts Summary page.
  2. Click Modify overdraft protection under the account.
  3. Choose the account you would like to link and click Add.
  4. Use the arrows to change the order in which the accounts will be used.

Courtesy Pay is a service offered to checking account members and provides a limited level of protection from non-sufficient fund (NSF) fees for returned checks and declined ATM or debit card transactions. It is not a loan — it is a courtesy extended to qualified members in good standing to cover items, up to your eligible limit. We pay overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transactions.

Federal regulations require you to opt in if you would like to authorize the Courtesy Pay service for one-time debit and ATM transactions, such as at a store, online, or over-the-phone payments. Other types of transactions, including checks, ACH transactions, and recurring debits are not a part of the regulation and are automatically covered using our standard Courtesy Pay program for eligible accounts.

To opt in to Courtesy Pay coverage for ATM and one-time debit card transactions, log in to online banking and follow the steps below:

  1. Click the Accounts tab.
  2. Click Courtesy Pay.
  3. Select the account for which you would like to set up Courtesy Pay.
  4. Click Submit.

You can opt out at any time by unselecting that account. You may also opt in or opt out by calling the Member Service Center at 713-676-7777 or 800-678-5197 or by visiting one of our convenient locations.

If you would like to opt out at any time, simply give us a call at 713-676-7777 or 800-678-5197 or visit any of our branches.

This is how Courtesy Pay will work:

  1. You use your debit card or write a check from your checking account.
  2. If funds are not available, and you have exhausted your other overdraft resources, Courtesy Pay will allow transactions to clear your account up to your eligible amount.
  3. We will assess a $30 fee for each transaction covered by Courtesy Pay.

Courtesy Pay will save you non-sufficient fund (NSF) fees and embarrassment from merchants when you make a mistake in your checkbook, have an unplanned expense, or run short on cash between paydays. Instead of returning checks unpaid, First Service may automatically pay them if you qualify.

Members over the age of 18 with accounts in good standing may qualify for Courtesy Pay when the account is opened for at least thirty days. Good standing means that there are no First Service loan obligations in default, there are no liens for any legal or administrative order, and the checking account balance is positive for at least 24 hours in any 30-day period.

The total amount you can overdraw using Courtesy Pay will depend on how long you have been a member and whether you have a direct deposit set up on your checking account.

Courtesy Pay Limits

Account Type

Length of Membership

Direct Deposit

Courtesy Pay Limit

Checking Account

Less than 1 Month

N/A

$0

Less than 1 Year

No

$500

Yes

$750

More than 1 Year

No

$1000

Yes

$1300

If you have established Overdraft Protection to transfer funds from your savings or line of credit, we will always pay the overdraft by this method before using Courtesy Pay.

No. The credit union is allowing you to overdraw your account to your Courtesy Pay limit as a non-contractual courtesy. This discretionary service can be withdrawn at any time by First Service.

You will only be assessed a fee when you overdraw your checking account and Courtesy Pay covers the overdrawn amount. There is a standard Courtesy Pay fee of $30.00 per transaction when you overdraw your checking account.

You have up to 30 days to pay any overdrawn amount, including Courtesy Pay fees. However, depending on the situation, we can ask for repayment at any time. Any deposits you make will be applied to the overdrawn balance first.

This has no effect on your credit rating if you bring your overdrawn account to a positive balance in a timely manner, which we ask you to do within the required 30 days.