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Is Courtesy Pay a loan?

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.