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Courtesy Pay Overdraft Protection

A discretionary overdraft service provided to members in good standing.

Courtesy Pay is an overdraft service provided to members in good standing. It is used to pay items against a consumer checking account when the account balance is insufficient. Courtesy Pay is a complement to any overdraft protection you may already have in place and is accessed after any existing overdraft options have been exhausted.  However, Courtesy Pay is not available for members with a FlexChecking account as that account is designed to not allow overdrafts. 

Courtesy Pay is discretionary and is designed to cover non-sufficient funds (i.e., overdrafts/negative balances) that may result from:

  • The payment or non-payment of checks 
  • ACH debits
  • Funds deposited to your account that are not yet available
  • Service charges and fees
  • The return of unpaid items that are deposited into your account
The Courtesy Pay service does not automatically cover overdrafts for ATM or debit card transactions. You may request to opt into this portion of the program by calling us at (505) 342-8888, or toll free at (888) 342-8766, or by visiting any of our branches.

Frequently Asked Questions

Q. What is Courtesy Pay?
A. Courtesy Pay is a discretionary overdraft service provided to members in good standing. Courtesy Pay covers transactions that would otherwise be denied or returned unpaid. It helps you avoid costly merchant fees and embarrassment while increasing convenience.

Q. What is the difference between Overdraft Protection and Courtesy Pay?
A. Overdraft Protection uses money from Savings, Investment Plus, or a line of credit to cover transactions if there are insufficient funds in your checking account. If those overdraft protections are not adequate, then Courtesy Pay allows you to take your checking account balance negative in order to cover the transactions up to a predetermined limit.

Q. What types of transactions are covered by Courtesy Pay?
A. Your checks, ACH, and Bill Pay transactions are automatically covered by Courtesy Pay once your account has been active for 90 days. You may also opt-in to have ATM and Debit Card transactions covered.

Q. Am I required to opt in to Courtesy Pay?
A. Regulations require members to opt in to receive Courtesy Pay services for ATM and Debit Card transactions. Your checks, ACH, and Bill Pay transactions are automatically covered once your account has been active for 90 days.

Q. How do I opt in to Courtesy Pay, and can I change my mind later?
A. To opt in to Courtesy Pay for ATM and Debit Card transactions, use any of the following methods:

  • Call Member Services at (505) 342-8888, or toll free at (888) 342-8766
  • Visit any branch

You may opt out of Courtesy Pay for ATM and Debit Card transactions or cancel Courtesy Pay altogether at any time by using any of the methods above.

Q. Is there a fee for Courtesy Pay?
A. There is no fee. 

Q. How do I qualify for Courtesy Pay?
A. You must be a member for a minimum of 90 days, in good standing, and have a minimum average aggregate account balance of $500 for the past 90 (ninety) days.

Q. What is my Courtesy Pay protection limit?
A. If you are eligible and have been a member of US Eagle for less than five years, the protection limit is $500. If you are eligible and have been a member for five or more years, the protection limit is $1,000.

Q. How many overdrafts can I have?
A. There is no limit to the number of overdrafts you can have with Courtesy Pay. Your overdraft transactions may be covered up to your authorized protection limit. US Eagle reserves the right to pay overdrafts at its discretion.

Q. What happens if I reach my Courtesy Pay limit?
A. Overdrafts that go beyond your Courtesy Pay limit may result in items being returned unpaid.

Q. How long can my account balance stay negative if I use Courtesy Pay?
A. You must bring your account balance positive within 45 calendar days, or upon demand. If you are having difficulty bringing your account current, contact us immediately at (505) 342-8888.

Q. Can I lose my Courtesy Pay protection?
A. Yes, Courtesy Pay is a privilege that can be revoked if your account is no longer in good standing or if any overdrawn amounts are not paid in full.

Q. What happens if I do not repay on time?
A. US Eagle will take action to recover the funds and may report the delinquency to the credit reporting agencies.

Q. Where can I call if I still have questions?
A. You may call Member Services at (505) 342-8888.

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