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Courtesy Pay

Courtesy Pay

 

If you have ever made an error adding or subtracting in your checkbook, you’re going to love this service!

Kelly Community FCU will pay insufficient fund checks up to a maximum of $500 (including fees), instead of returning your check to the merchant unpaid. This means you avoid those extra returned check fees charged by retail merchants. If you have overdraft protection from other member accounts, Courtesy Pay will only be implemented when your overdraft options have run out. To take advantage of this valuable service, please click here to complete the OPT IN / OPT OUT form and return it to the credit union. 

  • $30 fee per item paid.
  • NSFs covered to a maximum of $500 (including fees.) 

When is a member eligible for courtesy pay on their basic checking accounts?

  • The account has been  opened for two months AND meet the following requirements:
  • Must have 3 or fewer Non Sufficient Funds and/or Courtesy Overdraft charge(s) in 2 months.
  • Must be in good standing. (no negative balances on any account at the credit union)
  • Must have no delinquent loans.
  • Must never have caused the credit union to suffer a loss.
  • Must not be in the process of filing bankruptcy or under the protection of a bankruptcy reorganization plan.
  • Must not be subject to any legal or administrative order or levy.
  • Must maintain the minimum required balance of $25 in their primary share account for membership.
  • Must not have any owner on the account listed as deceased.

When is a member eligible for courtesy pay on their Checking UP account?

  • The account has been opened for two months AND meet the following requirements:
  • Must have 3 or fewer Non Sufficient Funds and/or Courtesy Overdraft charge(s) in 2 months.
  • Must be in good standing. (no negative balances on any account at the credit union)
  • Must have no delinquent loans.
  • Must never have caused the credit union to suffer a loss.
  • Must not be in the process of filing bankruptcy or under the protection of a bankruptcy reorganization plan.
  • Must not be subject to any legal or administrative order or levy.
  • Must maintain the minimum required balance of $25 in their primary share account for membership.
  • Must not have any owner on the account listed as deceased.

When is a member eligible for courtesy pay on their Second Chance Checking account?

  • The account has been opened for six months AND meet the following requirements:
  • Must have 3 or fewer Non-Sufficient Funds and/or Courtesy Overdraft charge(s) in 6 months.
  • Must be in good standing. (no negative balances on any account at the credit union)
  • Must have no delinquent loans.
  • Must never have caused the credit union to suffer a loss.
  • Must not be in the process of filing bankruptcy or under the protection of a bankruptcy reorganization plan.
  • Must not be subject to any legal or administrative order or levy.
  • Must maintain the minimum required balance of $25 in their primary share account for membership.
  • Must not have any owner on the account listed as deceased.

 The following accounts are not eligible for courtesy pay Checking 101, and Money Markets

*Kelly Community FCU reserves the right to revoke your Courtesy Pay privilege or close your checking account at any time, without prior notice, in accordance with our membership agreement. All negative balances will be deducted from your next deposit, and must be paid within 15 days to remain a member in good standing. Other restrictions may apply.

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