Protect your checking account

It’s smart to have the security of overdraft protection on your checking account in the event of an occasional oops that causes you to exceed your available checking account balance, and First Service has you covered with two options:

Overdraft Protection

Overdraft Protection creates an extra line of defense for your checking account. Use your savings account or line of credit to protect your checking account against the chance that you accidentally overdraft your account and to prevent your transactions from being declined. You’ll never have to worry about non-sufficient fund (NSF) fees again.*

All you have to do is link a savings account or line of credit to your checking account. If you accidentally overdraw your checking account, we’ll automatically transfer the needed funds from your designated draw account to protect you from declined transactions and overages. It’s a simple action that goes a long way.

Visit a branch location or give us a call today to set up Overdraft Protection.

Courtesy Pay

We know things don’t always go as planned. That’s why Courtesy Pay has you covered when you need it most. If you accidentally overdraw your account between paychecks or from unforeseen expenses, First Service may pay for your transaction up to your qualified amount. Courtesy Pay allows you to avoid the merchant fees and inconvenience of having a card declined or having a check or ACH transaction bounce from insufficient funds. While it is not an invitation to overdraw your account, Courtesy Pay provides an extra layer of protection in case a mistake happens or an emergency comes up.

Courtesy Pay may automatically cover checks and ACH transactions. If you would like Courtesy Pay to pay one-time debit and ATM transactions, all you have to do is opt in. There is no charge for having the Courtesy Pay feature unless it is utilized. Otherwise, it costs $30 for each transaction covered.** Please note, this is an optional service and you can opt out at any time.

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


Courtesy Pay

*Transfer fee of $4 assessed for each transfer.

**Opting into Courtesy Pay covers checks and ACH transactions plus one-time debit and ATM transactions. After 20 days negative, any remaining courtesy pay limit will not be accessible and the full negative account balance must be repaid within 30 days. Fee charge of up to $30 for each time First Service pays an overdraft.