Courtesy pay
OVERDRAFT PROTECTION

Unforeseen circumstances seem to pop up at the worst possible time.

That’s why we offer Courtesy Pay Overdraft Protection for your account when an accidental overdraft occurs. We’ll cover shortages in your account so your transaction can be processed as you requested.

What is Courtesy Pay Overdraft Protection?

With AltaOne’s Courtesy Pay Overdraft Protection, you have an extra safety net for those unexpected moments. Courtesy Pay can help prevent fees or other issues if funds aren’t available when you need them. Instead of returning a transaction, we may cover it for you, whether it’s on your checking, savings, or Money Market account.

This added protection can be a lifesaver for those surprise expenses or account mishaps. It helps you avoid merchant and NSF fees, keeps checks from bouncing, and can save you from the frustration of a declined debit card when you're ready to pay.

If you don’t use Courtesy Pay, you don’t pay any fee!

Sign up today!
Call us at (800) 433-9727 or visit any AltaOne branch.

COMMON QUESTIONS
WHAT YOU NEED TO KNOW

Courtesy Pay Overdraft Protection is automatically provided to Members in good standing, who have an established checking account more than 90 days, are at least 18 years old, and have no ChexSystems® record.
There is no monthly fee to participate in Courtesy Pay Overdraft Protection. A fee is charged when an item is paid using Courtesy Pay Overdraft Protection. A maximum of 6 fees may be charged per day. If you don't use the service, you do not pay a fee.
Please refer to AltaOne’s Personal Schedule of Fees & Charges for current fees.
If you meet the qualifying criteria, you are automatically enrolled in Courtesy Pay Overdraft Protection for checks, recurring debit card transactions, and electronic withdrawals.
You will need to opt in for Courtesy Pay Overdraft Protection for ATM and everyday debit card transactions.
To opt in, contact us 800-433-9727 or visit any AltaOne branch.
The payment of your overdrafts is discretionary, and we reserve the right to pay or not pay the transaction if the available balance in your checking account is insufficient to cover the transaction. There is no guarantee we will pay your overdrafts. We typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you are in default/delinquent on any AltaOne loans.
If funds aren’t available in your account, we may attempt to clear the transaction by using any overdraft protections you have in place in the following order:
1. Courtesy Pay Overdraft Protection
2. Designated Savings Account
3. Overdraft Line of Credit (if applicable)
See AltaOne’s Personal Agreements & Disclosures and Courtesy Pay Overdraft Protection Agreement and Disclosure for further details. To utilize your designated Savings Account or Overdraft Line of Credit prior to Courtesy Pay Overdraft Protection, contact us at 800-433-9727 or visit any AltaOne branch.
You should make every attempt to bring your account to a positive balance as quickly as possible. If your account is overdrawn for 45 days, your account will be closed and the negative balance may be reported to consumer reporting agencies.
See AltaOne’s Courtesy Pay Overdraft Protection Information & Guidelines for more information.
You can cancel Courtesy Pay at any time. Simply call an AltaOne Member Service Representative at 800-433-9727 or visit your local AltaOne branch. Please keep in mind, once this service is removed, transactions without sufficient funds may be declined and/or returned and the standard NSF fee will be charged per item.

See AltaOne’s Personal Agreements & Disclosures and Courtesy Pay Overdraft Protection Agreement and Disclosure for further details. To utilize your designated Savings Account or Overdraft Line of Credit prior to Courtesy Pay Overdraft Protection, contact us at (800) 433-9727 or visit a branch location.