debit courtesy pay opt in request
What you need to know about Overdrafts and Overdraft Fees
ATM & Everyday Debit Card Transactions
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
- Our standard overdraft protection practices are included in your account.
- We also have overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
Please complete the below form to submit your opt-in or opt-out request for Debit Courtesy Pay.
This notice explains our standard overdraft practices.
We do authorize and pay overdrafts for the following types of transactions:
- Checks and other transactions made using your checking account number
- Automatic bill payments
- ATM transactions
- Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
Under our standard overdraft practices:
- See our ALEC Fee Schedule for current fees.
- There is no limit on the total fees we can charge you for overdrawing your account.
If you also want us to authorize and pay overdraft on ATM and everyday debit card transactions:
- Complete the form and click on the Submit button for processing.
Thank you for your request!
Your Debit Courtesy Pay request will be processed shortly.