No. It is a non-contractual courtesy that we extend to our members who maintain their Share Draft accounts in good standing. When the feature is used, it results in a negative or overdrawn account. This feature is discretionary on the part of the Credit Union. The words “DISCRETION” and “DISCRETIONARY”, however used, mean there is NO PROMISE TO PAY. Courtesy Pay is not guaranteed. Courtesy Pay can be taken away at any time the Credit Union determines the account is no longer in good standing.
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Freedom Credit Union will never contact you directly to request any of your personal or account information. If someone contacts you and requests this information, do not provide it. Hang up immediately and call us at 215-612-5900.
Likewise, if you receive an unexpected email or text message containing suspicious links, it is best to not click on any links and delete the message.