Don't Lose a Valuable HNCU Service

Opt In to Courtesy Pay

New legislation that will take effect this summer requires us to ask members to “opt in” for Courtesy Pay. We can no longer automatically offer Courtesy Pay with new accounts that meet credit specifications. Please use the link below to opt in to Courtesy Pay. If you do not opt in you will lose Courtesy Pay overdraft coverage on August 15, 2010.

Download Opt In Form and mail to HNCU
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What does Courtesy Pay mean to you?

For example, if you are at the grocery store and you try to buy $100 dollars worth of groceries with your debit card but you only have $92 (less than $100) in your account one of two things will happen: If you “opt in” to Courtesy Pay the transaction will be approved and you will be charged a $30 fee for using Courtesy Pay. If you do NOT “opt in” to Courtesy Pay” the transaction will be denied. HNCU does not pay for any fees you incur for a rejected payment.

What You Need to Know about Courtesy Pay and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways: 1. We have standard Courtesy Pay practices that come with your account. 2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard Courtesy Pay practices. To learn more, ask us about these plans. This notice explains our standard Courtesy Pay practices.

What are the standard Courtesy Pay practices that come with my account?

We DO authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We DO NOT authorize and pay overdrafts via Courtesy Pay for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts via Courtesy Pay 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 be declined.

What fees will I be charged if HNCU pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $30 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want HNCU to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete our online form by using the link below. If you have any questions about Courtesy Pay please call 303-451-1146.


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