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Coverage on your Checking Account, up to a limit of $500 aggregate [including the amount of the overdrawn item(s) and the Courtesy Pay fee(s)], will be honored by Delta Community. A Courtesy Pay fee will be assessed for each item paid by Courtesy Pay. You will have up to 30 days to bring the Checking Account balance positive.
A fee is assessed each time courtesy pay is utilized. Overdrafts will be paid utilizing your Courtesy Pay funds up to the $500 aggregate limit mentioned for the following types of transactions:
These items will be paid using Courtesy Pay after all other overdraft protection options are depleted.
Transactions that will not access Courtesy Pay:
If you have established other Delta Community overdraft protection methods, such as a line of credit or automatic transfer from your other deposit accounts, we will pay any overdraft by those methods first before using Courtesy Pay and imposing a Courtesy Pay fee for each item paid.
If you exceed the $500 aggregate Courtesy Pay limit, your items will not be paid and will be returned. An NSF fee will be assessed per returned item.
Repayment of the overdraft amount is expected within 30 days. 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 during the thirty days will be applied first to your overdrawn checking balance.
If you can't bring your account to a positive balance within the 30-day repayment period, your Courtesy Pay privileges will be revoked and collection procedures may be initiated on your account.
Courtesy Pay will automatically be added to your Checking Account, so there's no need to apply. We require no applications or additional signatures. Courtesy Pay is available to all Delta Community members who meet the following criteria:
To maintain your Courtesy Pay service:
You can decide to opt-out of this service and not participate by sending a secure message. Click Contact Us under the Additional Services tab in Online Banking. If at a later time you decide to opt back into Delta Community's Courtesy Pay program, please contact us.
See our Courtesy Pay Disclosure for additional information.
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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.
