We understand. It happens to all of us. You make an honest mistake in your checkbook. You’re a little short of cash 2-3 days before payday. Unusual or unforeseen circumstances popped up at just the wrong time.

That’s why Georgia Heritage FCU offers Courtesy Pay, an added member service that protects your personal checking account when an inadvertent overdraft occurs. We require no applications or additional signatures.

• Protection from the embarrassment of returned checks • Protection from merchant returned check charges • Protection from collection agency fees • Protects your good credit rating With Courtesy Pay You’re Covered!

WHAT IS COURTESY PAY?
Courtesy Pay is a service that adds a measure of protection to your personal checking account. Courtesy Pay may cover your insufficient funds items, up to your approved limit, for one low fee per covered overdraft transaction. That means, instead of returning an item to the merchant because of insufficient funds, the credit union may pay the item, saving you additional charges from the merchant collection companies, in addition to the credit union’s insufficient fund fee. It saves you the embarrassment an inadvertent overdraft can cause. It also helps protect your credit rating.

HOW DOES COURTESY PAY WORK?
Overdrafts on your checking account, up to a limit of $500 [including the amount of the overdrawn item(s) and the Courtesy Pay fee(s)] may be honored by Georgia Heritage FCU. A $25 fee will be assessed for each item that draws your account negative. You then have up to 30 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at one of our branch offices.

WHAT IF I ALREADY HAVE OVERDRAFT PROTECTION?
If you have established other overdraft protection methods, such as an automatic transfer from your other accounts, we will always look to pay any overdraft by those other methods first before paying your overdraft utilizing Courtesy Pay and assessing a $25 fee for each overdraft we pay.

DO I HAVE TO APPLY FOR THIS SERVICE?
No. We require no applications or additional signatures. As long as you are a member in good standing which includes: having an account with us for at least 60 days, you are making regular deposits to that account, bringing your account back to a positive balance regularly, and there are no legal orders against the account, and you do not have any loans with the Credit Union that are more than 30 days past due, your Courtesy Pay privilege remains activated.

HOW CAN I ACCESS COURTESY PAY?
Overdrafts may be paid utilizing your Courtesy Pay funds up to the limits mentioned above for the following types of transactions:

• Checks
• Electronic Transactions (ACH, Check by phone, etc.)

Courtesy Pay is a way for us to provide a higher level of service to our members by helping protect your account and reputation when an inadvertent overdraft occurs.

WILL I RECEIVE A NOTICE THAT COURTESY PAY WAS USED?
Yes. Upon use, you will receive a notice informing you of each check, ACH item, and online bill payment transaction paid for by Courtesy Pay and the application fees. A deposit should be made within 30 days following the usage of Courtesy Pay.

DO I HAVE TO PARTICIPATE IN THE COURTESY PAY PROGRAM?
No. If you prefer not to participate in the Courtesy Pay Program or have any questions, please contact a Member Service Representative at 912-236-4400. We are happy to review Courtesy Pay and its features with you, along with giving you other options to add convenience and ease to your account.

CALL US FOR MORE INFORMATION
We are happy to review Courtesy Pay and its features with you, along with giving you other options to add convenience and ease to your account. Please contact a Member Service Representative at 912-236-4400.