Courtesy Pay

Courtesy Pay is a non-contractual courtesy, offered at Warren Federal Credit Union's discretion. This service adds a measure of protection to the member's checking account. Courtesy Pay may cover your insufficient funds checks, up to a $750 limit (including fees). Instead of returning the check to the merchant because of insufficient funds, Warren Federal Credit Union may pay the check, for a $25.00 fee per occurrence, and save any additional charges that may be incurred from the merchant.

While it is not an invitation to overdraw your account, it is an added layer of safety should you accidentally write checks for more than you have in your account, or an inadvertent error that causes the account to become overdrawn. You should consult with the Credit Union regarding our formal overdraft services via your account or an overdraft line of credit, which may better serve your needs.

What is the fee for Courtesy Pay?
For each item paid using Courtesy Pay, your account will be charged a fee of $25.00.

What are the benefits to you?
With Courtesy Pay you:

• Won't pay merchant returned check charges.
• Won't pay collection agency fees for returned check charges.
• Avoid the embarrassment of checks returned due to insufficient funds.
• Enjoy the added measure of safety protecting your good credit rating.

Is Courtesy Pay a loan?
No. Courtesy Pay is a courtesy automatically extended to qualifying Warren Federal Credit Union members. This service is being offered to our members as a courtesy and privilege, it is not guaranteed, and is not a loan, and Warren Federal Credit Union may use our discretion to return any item at any time and suspend your Courtesy Pay benefit at any time.

How do I know when I've used Courtesy Pay?
You will receive notification when transactions are paid using your Courtesy Pay benefit. You may also review your account information 24 hours a day with Warren Federal Credit Union's online banking service. We have no obligation to notify you before we pay or return an item or deny a transaction. The amount of any overdrafts, plus any applicable fees are due and payable upon demand. If we pay an overdraft with more than one (1) owner, each owner is jointly and separately liable for such overdrafts and/or fees.

How do I sign up for Courtesy Pay?
When you have a checking account, you are automatically included in the Courtesy Pay program. We don't require any application or additional signature from you to add this feature to your checking account. Courtesy Pay is simply a way for us to provide a higher level of service to our members by helping to protect their account and reputation when an inadvertent overdraft occurs.

What if I exceed my Courtesy Pay limit?
Transactions will be returned unpaid and will process as non-sufficient funds, with appropriate fees assessed.

How do I learn more about Courtesy Pay?
Contact a Member Service representative at 307.432.5400, option 1, or 800.368.9328 or visit your nearby branch and they will be happy to answer your questions.

How do I opt out of Courtesy Pay?
An account may be removed from the Courtesy Pay program for members who do not wish to have Courtesy Pay protecting their account from overdrafts. At your request, your account can be removed from coverage of any future Courtesy Pay overdrafts. Call a Member Service representative at 307.432.5400, option 1, or 800.368.9328 or visit your nearby branch, and inform us of your wish to be removed from Courtesy Pay.

All Courtesy Pay elections are within the sole discretion of Warren Federal Credit Union, and we have no contractual obligation with our members to pay or transfer any NSF item/transaction. Courtesy Pay is an optional service that we may provide as set forth herein to members in good standing. Courtesy Pay is not an entitlement, it is not a loan, and may be discontinued or denied at any time even though we have paid such items at other times. The Courtesy Pay program does not release you from your obligation to pay your debts including any amount by which your accounts may be overdrawn. Further, Courtesy Pay does not affect or limit Warren Federal Credit Union's other rights/options regarding NSF transactions under our other policies, procedures and applicable laws. Pursuant to your Membership Agreement, the Credit Union retains discretion to decide which items to pay, and in what order to pay items. Without limiting this discretion, we usually pay items presented for payment against your checking account as follows: checks and ACHs (Automatic Clearing House) first presented, ATM transactions immediately. Debit card transactions may also post immediately.
Warren Federal Credit Union may revoke the privilege at any time without notice.