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RT# 267078707
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Courtesy Pay

When there’s not quite enough in your checking account, Member Privilege can help.

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Having a check returned due to non-sufficient funds can be costly and humiliating. That’s why we provide Courtesy Pay, a special overdraft privilege for qualified SUN Credit Union’s members. Courtesy Pay provides an added level of protection against the occasional unanticipated cash flow emergencies and account reconciliation errors.

What is Courtesy Pay?

Courtesy Pay is an overdraft courtesy pay limit that is automatically assigned to your checking account 90 days after the account is opened, if qualified for, provided the account is in good standing.

How does Courtesy Pay work and when can I use it?

SUN Credit Union may approve your overdraft items within your current available Courtesy Pay limit as a non-contractual courtesy loan, provided your account is in good standing. Courtesy Pay is generally assigned to your account 90 days after account opening, again, provided your account is in good standing.

For Courtesy Pay, your account is considered in good standing if you:

  1. Make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all credit union fees and charges)
  2. Avoid excessive overdrafts suggesting the use of Courtesy Pay as a continuing line of credit
  3. Have no legal orders, levies or liens against your account

What does Courtesy Pay cost?

There is no additional cost associated with Courtesy Pay unless you use it. When Courtesy Pay is used, a fee of $24 will be charged for each overdrawn item created by traditional paper-based check, teller withdrawal, automatic payment (ACH) transaction, or recurring debit card payment. If you have given SUN Credit Union authorization, we may also cover ATM transfers or withdrawals and everyday debit card purchases.

What is my Courtesy Pay limit?

Personal Checking    $500.00
Business Checking    $1,000.00

Note: the amount of the overdraft, PLUS our Courtesy Pay fee of $24 for each item, will be deducted from the Courtesy Pay overdraft limit.

If I have two checking accounts, can I have Courtesy Pay on both?

Eligibility is limited to one (1) Individual checking account and one (1) Business checking account per member relationship.

What if I go beyond my Courtesy Pay limit?

Overdrafts above and beyond the established Courtesy Pay limit may result in items being returned to the payee. If items are returned, the standard NSF fee will be charged, per item, and assessed to your account. It is important to note, the amount of the overdraft, PLUS our Courtesy Pay fee of $24 for each item, will be deducted from the Courtesy Pay overdraft limit.

How quickly must I repay Courtesy Pay?

Every attempt should be made to bring your account to a positive balance within 30 days. If you are unable to do so, you will receive a letter from SUN Credit Union informing you that your Courtesy Pay has been suspended and any additional items will be returned. If your Courtesy Pay is suspended, unless we notify you otherwise, or you request the service to be removed from your account, your limit will be reinstated to cover overdrafts again on the first business day after your account has been brought to a positive balance.

What transactions will Courtesy Pay cover?

  • Teller withdrawal
  • Written check
  • Recurring Visa Debit Card charge
  • ACH – Automatic Debit
  • Online Bill Pay

Note: Personal Checking Account holders may include ATM and everyday debit card transactions upon request. Call 954.967.4441 or visit one of our branches  to arrange for ATM and debit card coverage.

What if I do not want Courtesy Pay on my checking account?

If you would like to have this service removed from your account, please contact our Member Services department at (954) 967-4441. However, once this service is removed, if an item is presented for payment and your account does not have sufficient funds to cover the payment(s), the item(s) will be returned to the payee and our standard NSF fee will be charged per item.

What if I am having trouble repaying my Courtesy Pay?

Please contact us at (954) 967-4441 if:

  1. You are unable to bring your account to a positive balance within 30 days
  2. You find you are using Courtesy Pay more often than intended
  3. You do not understand what is causing your account to become overdrawn

We are happy to help our members with Courtesy Pay, when the unexpected happens. However, the most cost-effective measure is to avoid an overdraft altogether. By keeping accurate records and knowing your balance, you can avoid costly fees and potential embarrassment. Use your checkbook register to keep track of your deposits, written checks, withdrawals, and ATM / debit card transactions. And, always reconcile your register with your monthly statement.



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Your Savings Federally Insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration. Equal Housing Opportunity. Copyright 2024 SUN Credit Union. Cookies are used on this website to improve functionality and performance and to analyze traffic to the website.

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