Courtesy Pay would not apply to the below items:   Share Drafts presented for cash by the account holder at an Access Center Member check presented by Payee at an Access Center ATM Transactions POS (PIN based) Transactions Bill Payer Transactions Online Banking Transactions Telephone Teller Transactions ACH/Pre-Authorized Drafts presented on an account other than...

The following are items that Courtesy Pay may apply to:   Share drafts presented on the member’s Share Draft Checking Account ACH transactions presented on the member’s Share Draft Checking Account Check Card one-time debit transactions presented on the member’s Share Draft Checking Account (members must opt-in for this feature)

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...

The Courtesy Pay feature does not cost members anything unless they use it.  There is no regular monthly fee for the service.  The only time a member will incur a cost for the Courtesy Pay feature is when they use it (for example, if an item is paid by the Credit Union which causes the...

Yes, any account owner may opt-out at any time by notifying the credit union either in person, by email or by calling the Call Center at 215-612-5900.

No, any party on a joint account may make this decision and it applies to all joint account owners.

There are several ways that you can opt in.  You can choose any of these options:   Visit any Freedom Credit Union Access Center location Complete the authorization form listing each account attached to a Check Card.  A confirmation letter will be given to you for your records.   Telephone Requests You can simply call...

A member is eligible to receive Courtesy Pay for checks/share drafts and ACH transactions once the below criteria is met.  A member must opt in for Courtesy Pay to apply to everyday debit card transactions.   Eligibility Criteria: Qualifies for a Share Draft Checking Account Has not caused a loss to the Credit Union Member...

If a member has established other overdraft protection methods, such as a Line of Credit or a transfer from their Primary Savings Account, we will always look to pay any overdraft by those methods first before paying an overdraft using Courtesy Pay and imposing the Courtesy Pay fee.

Yes, all members that have a Share Draft Checking Account are automatically set up with overdraft protection from their Primary Savings Account.  If the member has an established Line of Credit, the Line of Credit may also be used as an overdraft option.  If both a Line of Credit and a Primary Savings Account are...