What is it?
Delta Community’s Courtesy Pay service covers bounced checks and Automated Clearing House (ACH) items such as electronic payments made with your Checking Account number. Unforeseen emergencies or situations can happen that may cause your account to have insufficient funds when a check or electronic payment, such as your mortgage note, is presented. With Courtesy Pay, the transaction will be paid and you'll avoid the hassle and inconvenience of your check/ACH being returned or incurring merchant fees.
You don’t have to sign up for Courtesy Pay. It’s a service that all account holders receive after their checking account has been open for 60 days or more and all eligibility requirements are met.
You can enjoy a coverage limit up to $500 as long as your account has a balance greater than $0 and there are no delinquent loans with Delta Community.*
Still have questions? Review our Frequently Asked Questions.
*Transactions covered for Courtesy Pay and Courtesy Pay Plus count toward the $500 maximum coverage limit. Fees up to $35 may be assessed for each transaction. We pay overdrafts at our discretion under the Courtesy Pay and Courtesy Pay Plus services. This means we do not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts to cover the item. For example, we may not pay overdrafts when you are in default on a loan with Delta Community or your account is otherwise not in good standing. Repayment of the overdraft amount is required within 30 days to maintain eligibility for this service. If you have additional overdraft items during this time, the account still must be brought to a positive balance on or before the 30th day from the date of the initial overdraft item. Deposits received by Delta Community CU during the 30 days will be applied first to your overdrawn checking balance.