When there’s not quite enough in your checking account, Member Privilege can help.
Not a member?
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.
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.
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:
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.
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.
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.
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.
Please contact us at (954) 967-4441 if:
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.
1 Annual Percentage Rate (APR) = Annual Percentage Rate. Subject to term and credit qualifications. Annual percentage rates may vary. Annual percentage rates may change during loan terms on variable rate products. Membership and/or participation fees may apply. Inquire about specific fees for a product through your credit union.
2 Annual Percentage Yield (APY) = Annual Percentage Yield. Rates may change at any time without prior notice after the account is opened. Fees may reduce earnings. APY determined at time of funding.
Membership qualifications and account opening required for all products and services. Minimum credit or risk score may be required to qualify for products and services.
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