What is Courtesy Pay?
Courtesy Pay is a discretionary service that allows us to pay a check written by you, and on signature-based debit card transactions, on your checking account, even if it causes the account to become overdrawn up to a present limit of $1,031.00 on Free & eStyle Checking accounts and $3,031.00 for Dividend Checking accounts. While it is not an invitation to overdraw your account, it is an added layer of safety should you accidentally write checks for more than you have in your account, or an inadvertent error that causes the account to become overdrawn. You should consult with the Credit Union regarding our formal overdraft services via your account or an overdraft line of credit, which may better serve your needs.

How does it work?
Transactions presented against insufficient funds on your account will be paid with Courtesy Pay. Before using Courtesy Pay, we will first attempt to clear the item by using any overdraft protections you have signed up for, such as your Visa Card or Savings Account.

What is the fee for Courtesy Pay?
For each item paid using Courtesy Pay, your account will be charged a fee of $31.00.

• Won’t pay merchant returned check charges.
• Won’t pay collection agency fees for returned check charges.
• Avoid the embarrassment of checks returned due to insufficient funds.
• Enjoy the added measure of safety protecting your good credit rating.

Is Courtesy pay a loan?
No. Courtesy Pay is a courtesy automatically extended to qualifying Elevations Credit Union members. This service is being offered to our members as a courtesy and privilege, it is not guaranteed, and is not a loan, and Elevations Credit Union may use our discretion to return any item at any time and suspend your Courtesy Pay benefit at any time.

How do I know when I’ve used Courtesy Pay?
You will receive notification when transactions are paid using your Courtesy Pay benefit. You may also review your account information 24 hours a day with Link24, Elevations Credit Union’s online banking product. We have no obligation to notify you before we pay or return an item or deny a transaction. The amount of any overdrafts, plus any applicable fees are due and payable upon demand. If we pay an overdraft with more than one (1) owner, each owner is jointly and severally liable for such overdrafts and/or fees.

How do I sign up for Courtesy Pay?
When you have a checking account, you are automatically included in the Courtesy Pay program. We don’t require any application or additional signature from you to add this feature to your checking account. Courtesy Pay is simply a way for us to provide a higher level of service to our members by helping to protect their account and reputation when an inadvertent overdraft occurs.

What if I exceed my Courtesy Pay limit?
Transactions will be returned unpaid and will process as non-sufficient funds, with appropriate fees assessed.

How do I learn more about Courtesy Pay?
Contact a Financial Service representative at 303.443.4672, or 800.429.7626 or visit your nearby branch and they will be happy to answer your questions.

How do I opt out of Courtesy Pay?
An account may be removed from the Courtesy Pay program for members who do not wish to have Courtesy Pay protecting their account from overdrafts. At your request, your account can be removed from coverage of any future Courtesy Pay overdrafts. Contact a Financial Service representative at 303.443.4672, or 800.429.7626 or visit your nearby branch, and inform us of your wish to be removed from Courtesy Pay.


All Courtesy Pay elections are within the sole discretion of Elevations Credit Union, and we have no contractual obligation with our members’ to pay or transfer any NSF item/transaction. Courtesy Pay is an optional service that we may provide as set forth herein to members in good standing. Courtesy Pay is not an entitlement, it is not a loan, and may be discontinued or denied at any time even though we have paid such items at other times. The Courtesy Pay program does not release you from your obligation to pay your debts including any amount by which your accounts may be overdrawn. Further, Courtesy Pay does not affect or limit Elevations Credit Union’s other rights/options regarding NSF transactions under our other policies, procedures and applicable laws. Pursuant to your Membership Agreement, the Credit Union retains discretion to decide which items to pay, and in what order to pay items. Without limiting this discretion, we usually pay items presented for payment against your checking account as follows: checks and ACHs first presented, ATM transactions immediately. Debit card transactions may also post immediately.
Elevations Credit Union may revoke the privilege at any time without notice.