Sometimes shortages happen. No matter the reason, First Choice Credit Union (FCCU) is here for you when you need it most! FCCU Courtesy Pay is an overdraft service that is accessible when there is not sufficient money in your checking account to cover a purchase or expense. The Courtesy Pay program provides a cushion up to $500 to cover overdraft situations by check, ACH item, and recurring debit transactions you have established. This creates a negative balance in your account that will need to be satisfied within 14 days. Without the Courtesy program, these items will not be paid and an overdraft fee will be charged.

Enhanced Benefits with Opt-In

The Courtesy Pay program can be enhanced further when you Opt-In to use your debit card. This enables you to access the cushion when shopping or even at the ATM for emergency cash.

Why Choose FCCU’s Courtesy Pay?

The Courtesy Pay program can save you money, embarrassment, and other consequences when you struggle to meet your obligations when due. Nothing is better than strong personal financial management but when you need that extra help FCCU is there.

Affordable Fees

There is a fee of $15 for each item paid by the Courtesy Pay program. FCCU has been a leader in efforts to make our program affordable. The FCCU fee is less than half of the average for other Palm Beach County credit unions.

Lending a Helping Hand Wherever We Can.

Some of the key benefits of our Courtesy Pay program include:

• Protect Your Reputation and Save Fees: When you send a 3rd party a check and it is refused they will charge you a fee and may treat you as a less valued customer.
• Improved Financial Flexibility: It provides a buffer that can be useful in managing cash flow, especially in situations where unexpected expenses arise or there are timing mismatches between income and expenses.
• Emergency Cash: Allows you to avoid use of expensive and abusive payday lending businesses.
• Reduced Stress and Peace of Mind: Knowing that there’s a safety net in place can reduce financial stress and provide peace of mind, particularly during months when finances are tight.
• Convenience: It can simplify the management of your personal finances by ensuring that transactions are processed even if there’s a temporary shortfall in the account balance.
• Credit Score Protection: By preventing bounced checks or declined transactions, it helps protect the consumer’s credit score, as these can sometimes impact creditworthiness if reported.
• Increased Purchase Power: It allows for larger transactions or emergency purchases that might otherwise be declined, helping consumers take advantage of opportunities or address urgent needs.

ELIGIBILITY AND REQUIREMENTS

After 90 days of Membership, all checking account holders, except Youth and Fresh Start checking accounts, are provided the opportunity to utilize the Courtesy Pay service. Negative balances must be brought current within 14 days. The service is considered a privilege and may be discontinued.

$15 per each transaction. Courtesy Pay with Opt In for debit transactions will cover debit transactions including ATM and checks. Courtesy pay without Opt In only includes checks, ACH items, and recurring debit transactions. Courtesy pay negative balances are expected to be satisfied within 14 days. Courtesy Pay is a privilege program that may be terminated with reasonable notice to the member.

To open an account with this service, click the link below!

To fill out the Debit Transaction Opt-In Form for an existing FCCU account, click this link!

Reduce Courtesy Pay fees with overdraft protection. Subject to application and approval, this coverage transfers funds from your savings or overdraft LOC. Contact an FCCU representative for full details and to establish overdraft protection.

To enroll in these programs with an existing FCCU account, contact a representative or schedule an appointment!