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What are the eligibility requirements for Courtesy Pay?

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 is at least 18 years of age
  • Account must be open for at least 30 days*
  • Account is not classified as dormant or frozen
  • Account has a current mailing address
  • Loans extended by Freedom are not delinquent 30 or more days
  • The account has not been established as a Business Account


* A 30-day waiting period applies to new accounts.