​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.

Standard Overdraft ProtectionFirst Service 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

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.

  1. click on Additional Services in the menu under Settings.
  2. Click Courtesy Pay to see an explanation of the service, and a list of any accounts eligible for Courtesy Pay with an on/off switch to the right of each one. The toggle will be gray if the account has not “Opted In.”
  3. Click on the accounts that you want to “Opt In” and the toggles will turn green.
  4. After you’ve made your selections, check the box to agree to the terms and click Save Changes to enroll the account(s) into Courtesy Pay.

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.

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



Less than 1 Year





More than 1 Year





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.

Checks and other transactions on a checking account with us are paid based on your available balance, and not the actual balance

Your actual balance is the actual amount of funds in the account (based on credits and debits posted to the account at that time).

Your available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to the account.

If an item presented for payment against your account exceeds the available balance, we will treat it as an overdraft even if the actual balance exceeds the amount of the item.

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.