Courtesy Pay

Courtesy Pay is a service that allows us to pay an item that is presented against your checking account, even if it causes that account to become overdrawn. This service can be added to qualified checking accounts that have been open and active for 90 days. You must opt-in for this service at the time of opening or by completing our Courtesy Pay Opt-In Form.

Courtesy Pay protects against having items returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. There is no fee to have Overdraft Protection on your account, however, you are charged a fee if you overdraw your account. Please see our fee schedule for current charges.

To enroll in this service, please complete and return the form below to any SMACU branch.

SMACU Courtesy Pay Opt-In Form