| Courtesy Pay |
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| What Is Courtesy Pay? |
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Courtesy Pay is a great new service that adds a measure of protection to your checking account. It can temporarily cover purchases and payments when sufficient funds are not available in your account. |
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• Will be cleared up with your next deposit
• No charge unless Courtesy Pay is accessed |
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| Courtesy Pay Covers The Following Transactions: |
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• Checks
• Check card transactions
• ACH transactions (automatic debits from your checking account)
• Bill Payer
• Online Banking Bill Pay |
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| Why Is Courtesy Pay For Me? |
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• Saves you fees from retailers
• Peace of mind from check collectors
• Saves you the embarrassment of having purchases denied
• Keeps your name in good standing with merchant verification systems |
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Average Merchant Fee For Returned Items
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Metro's Courtesy Pay Expense
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Total Expense Without Courtesy Pay
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With Courtesy Pay |
Total Savings With Courtesy Pay
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| 1 |
$35 |
$24 |
$56 |
$21 |
$35 |
| 2 |
$35 |
$24 |
$112 |
$48 |
$70 |
| 3 |
$35 |
$24 |
$168 |
$72 |
$105 |
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| How Do I Sign Up For Courtesy Pay? |
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There is no application for this service. Members who have a checking account with Metro Credit Union and qualify, receive this courtesy automatically. Metro will automatically set a specific limit for your checking account. Eligibility requirements apply. |
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| Does This Replace My Line of Credit? |
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No. If you have established other protection methods, such as a Line of Credit or automatic transfer from your other Metro accounts, we will always pay overdrafts by utilizing those other methods first. |
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| Can I Opt Out Of This Courtesy Pay Program? |
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An account may be removed from Courtesy Pay protection at the account holder's request. The account will be removed from coverage and any non-sufficient fund items presented on the account will be returned. |
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| Need More Information? |
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To learn more, contact one of Metro's friendly Financial Service Representatives at: 402.551.3052.
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