COURTESY
PAY

It can happen to any of us. You forget to enter a transaction in your checkbook… Your overdraft loan or available share transfer limit is exceeded… the next thing you know, you have an NSF item… and a high merchant fee! But for qualified members, MCCU can fix that… with Courtesy Pay!

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Courtesy Pay is not a loan. MCCU can apply the Courtesy Pay privilege to cover checks and withdrawals drawn on accounts that don't have enough money to cover them. It prevents the embarrassment of a bounced check AND… prevents the exorbitant NSF fees charged by many merchants, sometimes as high as $50!

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Courtesy Pay Works Like This

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When a check or withdrawal is presented to MCCU, we pay it from available funds in your account. If there are non-sufficient funds, and all Overdraft Protection options on your account have been exhausted, we will consider paying the item if you qualify for Courtesy Pay. Your account will then show a negative balance… and it is your responsibility to bring your account to a positive status within 30 days.

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Courtesy Pay Covers these Transactions:

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• Checks written on your MCCU checking account

• MasterMoney Check Card transactions (one-time transactions require opt-in)

• ACH transactions (automatic debits from your checking account)

• ATM transactions (opt-in required)

• Bill Payer transactions

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Who Is Eligible

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Courtesy Pay is automatically available to all MCCU checking account holders who meet specific criteria. Account holders in good standing and not under administrative/legal order or a Levy are generally eligible. There is no need to apply. If you qualify, the Credit Union will set a specific limit for your checking account based on, but not limited to, your length of membership and account history.*

* Limits may vary up to a maximum of $1,000.00 per checking account.

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The Cost? Surprisingly Affordable!

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Each time MCCU pays a bounced check or withdrawal for you with Courtesy Pay, you will be charged the current Courtesy Pay fee. That's all - you won't be charged anything else, by us or by the merchant.

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Some restrictions may apply. Please read the Terms and Conditions for more information. Or call us at (818) 993-6328.

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See full disclosure for details.