Members 1st offers Courtesy Pay to all members with accounts in good standing. Courtesy Pay consists of a line of credit to be drawn upon when funds are not available in the primary nor any back-up accounts to process a transaction. At that time the member's Courtesy Pay would pay for the transaction plus a one-time fee. This courtesy is extended to members to keep transactions from being declined and absorbing fees or other windfalls from the result of their transaction not posting. More information can be found here.