Sometimes, “short” happens. FCCU Courtesy Pay is an overdraft service associated with your First Choice Credit Union checking account. This service kicks in when your account doesn’t contain sufficient funds to cover an item presented for payment. In the case of insufficient funds, the account will be charged either a Courtesy Pay fee or a Non-Sufficient Funds fee—one fee, per overdraft. Courtesy Pay is only available to eligible checking accounts. Contact us for more details.