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We do our best to make inconveniences convenient.

Just as we give you options to save and spend, we give you options to protect your finances in the event of an overdraft.


overdraft protection

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Link Accounts
If your checking account runs out of money, our system will conveniently and automatically pull from your savings. This simple feature is only $3 per transaction.

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Courtesy Pay*
We offer two types of plans: Standard Courtesy Pay and Courtesy Pay Plus. Standard will cover checks and other transactions made using your checking account number, ACH Debits and recurring debit card transactions whereas Plus will also cover ATM overdrafts and everyday debit transactions.
Fill out the Opt-in-Form

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Line of Credit

Borrow what you need (up to the credit limit), when you need it. This hassle-free process automatically covers any overdrafts and allows you to take control of your financial situation. Apply Now 


In order to qualify for Courtesy Pay Plus you must first complete the Opt-In Form.

*Terms and Conditions associated with Courtesy Pay:

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.  If we do not authorize and pay an overdraft, your transaction will either be declined or returned as insufficient funds.  This non-contractual courtesy of paying overdrafts requires no account holder action for the Standard Courtesy Pay program. An Opt-In form must be completed for the Courtesy Pay Plus program.  This is not a loan. No additional agreements need to be signed, and it costs nothing unless the privilege is used. If you maintain the account in good standing, we may at our sole discretion, pay the item(s) up to the authorized limit, and we will charge the account a Courtesy Pay fee for each item that overdraws the account. We will mail you a notice each time an overdraft occurs. You have the option of opting out of this program at any time. When you opt-out of the program, checks and other items covered under Courtesy Pay will not be paid when there are not sufficient funds in the account or overdraft protection is unavailable. To withdraw from either Courtesy Pay program, you must submit a written Opt-Out Notice to 555 Cimarron Trail, Irving, TX 75063.

Not only does Courtesy Pay help you avoid the embarrassment of having an item returned, but it also helps you avoid any additional fees the merchant may charge you. With Courtesy Pay you have additional overdraft protection at no cost, unless needed. 

For more information about Courtesy Pay, please contact one of our member service representatives.

This non-contractual courtesy of paying overdrafts requires no account holder action. It is not a loan. No additional agreements need to be signed, and it costs nothing unless the privilege is used. If you maintain the account in good standing, we may at our sole discretion, pay the item(s) up to the authorized limit, and we will charge the account a Courtesy Pay Fee for each item that overdraws the account. We will mail you a notice each time an overdraft occurs. You have the option of opting out of this program at any time. When you opt-out of the program, checks and other items covered under Courtesy Pay will not be paid when there are not sufficient funds in the account or overdraft protection is unavailable. To withdraw from Courtesy Pay, you must submit an Opt-Out Notice to 555 Cimarron Trail, Irving, TX 75063.