Sometimes we all have a little "oops" in our balance!

CCCECU Courtesy Pay will allow you as a member to pay your checks by overdrawing your checking account instead of returning an item as NSF (non-sufficient funds)

Courtesy Pay of overdrafts  is always discretionary. The overdrawn amount is up to a $500 maximum overdraft limit, including fees. Courtesy Pay Fees are currently $25 per item.

Courtesy Pay is available on checking accounts only and is not a traditional line of credit and payment of overdrafts is not guaranteed. Consideration for Courtesy Pay is initiated only after all other requested overdraft protection options are used (such as overdraft protection by transfer from shares).  If an account is eligible the courtesy pay includes repetitive Debit Card transactions, ACH items, sharedraft clearings, and online bill payments.

Some restrictions apply. Courtesy Pay is available to qualified members who are in good standing and have had a CCCECU checking account for at least 90 days. Courtesy Pay is subject to terms and conditions described in our Discretionary Courtesy Pay Policy.  CCCECU reserves the right to revoke your Courtesy Pay service without prior notice.

If you wish to decline this service, please contact Member Services to opt out of the Courtesy Pay program.

Note-ATM/Debit Card transactions other than repetitive are NOT included in the Courtesy Pay program at this time.