Courtesy Pay

What is Courtesy Pay?

Courtesy Pay is an optional service for eligible accounts. It is designed to help guard members against having items returned or declined due to an accidental overdraft. You have three options to choose from:


Type of Coverage Checks ACH Payments:
Monthly recurring payments such as mortgage, car insurance, etc.
Recurring Debit Card Transactions:
Monthly subscriptions like Netflix, Amazon, gym memberships, etc.
Debit Card Transactions:
Every day purchases you make with your debit card
ATM Transactions
Extended × × × × ×
Standard × × × Transaction declined Transaction declined
Opt-Out Fee charged, check not paid Fee charged, ACH not paid Transaction declined Transaction declined Transaction declined


Items checked above, may be paid even when funds are not available, and a $32 fee will be will be assessed per transaction.  The maximum number of overdraft fees we will charge you for overdrawing your account is 5 per day.  If you opt out, a fee will be assessed each time a transaction is attempted to be pulled from the account. 

Errors happen! That’s why PMCU will not assess an overdraft fee unless your available balance is more than $32.00 below zero.

Please feel free to give us a call or visit our disclosures page for more info.

Need Help Managing Your Money?

PMCU encourages our members to manage their money and avoid Courtesy Pay charges. If you would like more information on how to better manage your money, click here.