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Overdraft Protection And Courtesy Pay

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Life happens! Members 1st Credit Union understands that unexpected overdrafts occur from time to time - Overdraft Coverage can help.

Overdraft Coverage

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    Overdraft Protection

    Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at Members 1st Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

    Call (530) 222-6060

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    Courtesy Pay Standard Coverage

    Courtesy Pay allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have overdraft protection, Courtesy Pay is still available as secondary coverage if the other protection source is exhausted. Please review the "What Else You Should Know" section at the bottom of this page for other important information.

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    Courtesy Pay Extended Coverage

    Courtesy Pay Extended Coverage includes all Standard Coverage, plus transactional coverage for everyday Debit Card transactions and ATM transactions.

    Sign up

Service & Cost

Overdraft Protection
(Link to another account you have at Members 1st)No fee

Overdraft Protection
Visa Credit CardsSubject to fees + interest

Courtesy Pay$29 overdraft fee per item

Transactions Covered with Courtesy Pay

Standard Coverage2

  • Checks
  • ACH - Automatic Debits
  • Recurring Debit Card Payments
  • Teller Window Transactions

Extended Coverage3

  • Checks
  • ACH - Automatic Debits
  • Recurring Debit Card Payments
  • Teller Window Transactions
  • ATM Transactions4
  • Everyday Debit Card Transactions4

If you would like to select Extended Coverage for future transactions, call us at 530-222-6060, visit any branch, or by completing a consent form.

You can discontinue the Courtesy Pay in its entirety by contacting us at 530-222-6060.

2No action required.
3Your consent required on consumer accounts.
4If you choose Extended Coverage on your consumer account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Courtesy Pay Extended coverage, it is not necessary to request it again.

What Else You Should Know

  • A link to another account or a cash advance may be a less expensive option than a Courtesy Pay transaction. A single larger Courtesy Pay transaction will result in just one fee, as opposed to multiple smaller Courtesy Pay transactions. Good account management is the best way to avoid overdrafts and Courtesy Pay transactions. Use our mobile banking, internet banking, and telephone banking services to keep track of your balance. For additional financial education resources, please visit www.mymoney.gov.
  • Recipients of federal or state benefits payments who do not wish us to deduct the amount overdrawn and the Courtesy Pay fee from funds that you deposit or that are deposited into your account may call us at (800) 303-3838.
  • The $29 Courtesy Pay Fee that is charged if you overdraw your account is the same fee that is charged if an item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Courtesy Pay Fee or a NSF Fee of $29. All fees and charges will be included as part of the Courtesy Pay limit amount. Your account may become overdrawn more than the Courtesy Pay limit amount because of a fee.
  • If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, Members 1st Credit Union will charge an NSF Fee each time it returns the item because it exceeds the available balance in your account. If, on representment of the item, the available balance in your account is sufficient to cover the item Members 1st Credit Union may pay the item, and, if payment causes an overdraft, charge a Courtesy Pay Fee.
  • There is no limit on the total Courtesy Pay Fees per day we will charge. We will not charge an Courtesy Pay Fee if a consumer account is overdrawn by $10 or less.
  • This describes the posting order for purposes of determining overdrafts. Our general policy is to post items throughout the day and to post ACH credits before debits. ATM, ACH and debit card transactions are posted in the order in which the items are received, while paper checks are posted in check number order; however, because of the many ways we allow you to access your account, the posting order of individual items may differ from these general policies. Holds on funds (described herein) and the order in which transactions are posted may impact the total amount of Courtesy Pay Fees or NSF Fees assessed.
  • Although under payment system rules, Members 1st Credit Union may be obligated to pay some unauthorized debit card transactions, Members 1st Credit Union will not authorize debit card or ATM transactions unless your account’s available balance (including Overdraft Coverage Options) is sufficient to cover the transactions and any fee(s).
  • Giving us your consent to pay everyday debit card and ATM overdrafts on your account (Extended Coverage) may result in you incurring Courtesy Pay Fees for transactions that we would otherwise be required to pay without assessing a Courtesy Pay Fee. However, this would allow us to authorize transactions up to the amount of your Courtesy Pay limit and may also help you avoid overdrafts in excess of your available balance. If you consent to Extended Coverage on your account, it will remain on your account until it is otherwise withdrawn.
  • Members 1st Credit Union authorizes and pays transactions using the available balance in your account. Members 1st Credit Union may place a hold on deposited funds in accordance with our Membership and Account Agreement, which will reduce the amount in your available balance. The balance for authorizing checks, ACH items, and recurring debit card transactions is comprised of the actual balance, less any holds on deposited funds and any debit card holds, plus the amount of the Courtesy Pay limit and any available Overdraft Protection. The balance for authorizing ATM and everyday debit card transactions on accounts with Standard Coverage is the actual balance, less any holds on deposited funds and any debit card holds, but does NOT include the Courtesy Pay limit. For accounts with Extended Coverage, the Courtesy Pay limit is included in the balance for authorizing ATM and everyday debit card transactions.
  • Please be aware that the Courtesy Pay amount is not included in your available balance provided through online banking, mobile banking or Members 1st Credit Union’s ATMs.
  • Members 1st Credit Union will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends, the funds will be added to the available balance in your account. If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, a Courtesy Pay Fee may be assessed.
  • Except as described herein, Members 1st Credit Union will not pay items if the available balance in your account (including the Courtesy Pay limit, if applicable) is not sufficient to cover the item(s) and the amount of any fee(s).
  • A Courtesy Pay limit of $500 will be granted to eligible checking accounts opened at least 30 days in good standing.
  • Courtesy Pay is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • The Courtesy Pay limit may be reduced if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the full Courtesy Pay limit reinstated.
  • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdrawn balance and fee amounts, as described in the Membership and Account Agreement. The total (negative) balance, including all fees and charges, is due and payable upon demand.
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