The best way to avoid overdrafts is to keep an accurate transaction register and balance it to your monthly statements.  Be sure to record automatic payments, bill pay transactions, check card purchases and ATM withdrawals.  You can use helpful resources such as Online and Mobile Banking or Telephone Teller for transaction information.  However, these resources...

You must remain current for one business day, or 24 hours, for the system to recalculate the days overdrawn.

“Bring the account current” means to make a payment into your account to pay any overdrawn amount.

The Courtesy Pay service is discontinued if the share is not brought current within 30 days.  If the negative balance is not resolved within 45 days, the account is restricted and the negative balance will be recommended for charge off.  The balance owed, including any and all fees, will be reported to Chex Systems.

The clock begins with the date of the first overdraft.

The system will generate a notice for each paid item that overdraws the Share Draft Checking Account, showing that the item has been paid through Courtesy Pay.  If you have an email address on file, we will email the notice to you.  Otherwise, the notice will be printed and mailed.  Additional warning or collections letters...

Any overdraft amount, plus our per-item Courtesy Pay fee(s) is due immediately.  Any deposits a member makes will first be applied to any overdrawn balance.

No.  The system does not show the Courtesy Pay Limit.  Therefore, employees cannot verify its availability for a merchant.

We post transactions in the order set out in our Membership Account Agreement.

We authorize and pay transactions using the available balance in your account.  The available balance is the ledger balance (collected funds) minus any debit card holds.  As such, the available balance does not include any deposited funds on hold.  We may place a hold on deposited funds in accordance with our Membership Account Agreement and...