Can courtesy Pay be refunded?
If you use Courtesy Pay, you will incur a non-refundable fee for the convenience of knowing your transaction is covered. Courtesy Pay is automatically provided for checks, ACH and recurring transactions from your checking account, but you must opt in to add Courtesy Pay for your debit card transactions.
What happens if you don’t Pay NSF fees?
Failure to pay an overdraft fee could lead to a number of negative consequences. The bank could close your account, take collection or other legal action against you, and even report your failure to pay, which may make it difficult to open checking accounts in the future.
What is a courtesy Pay NSF fee?
The Courtesy Pay is a service you may already have on your checking account allows us to cover your insufficient funds items on debit card purchases, point-of-sale (POS) transactions, ATM withdrawals, checks and ACH transactions, up to the approved limit. You will be charged $28 per covered overdraft transaction.
How do I cancel courtesy Pay?
Courtesy Pay Program Opt-Out Request Confirmation Your request can take up to 24 hours to process. If you’d like to re-opt in to the Courtesy Pay Program in the future, please visit any Golden1 branch or call our Member Service Contact Center at 1-877-GOLDEN 1 (1-877-465-3361).
What is the difference between overdraft and courtesy Pay?
Overdraft Protection automatically transfers funds from your eligible linked account to your checking account if you overdraw it. Courtesy Pay allows the Credit Union to authorize everyday debit card and ATM transactions to a specified maximum limit.
How do I use courtesy Pay?
Courtesy Pay can be used to pay checks, ACHs, and Bill Payer transactions. You must affirmatively choose (Opt In) to have Courtesy Pay cover every day Debit Card transactions. Courtesy Pay will not cover ATM withdrawals, in-person transactions, or online banking transfers.