Courtesy Pay

Overdrafts? We’ve got you covered.

Courtesy Pay protects you from missed payments by covering the difference in case of a negative balance.¹

All Overdraft Protection Schedule an Appointment

Common courtesy

Courtesy Pay covers the difference if certain payments exceed your current checking balance.

Checks & balances

Courtesy Pay covers checks, Bill Pay transactions, and cash withdrawals.

Debit coverage

Set this up if you want Courtesy Pay for ATM and everyday debit card transactions, too.

Courtesy Pay FAQ

Courtesy Pay is just one option we offer to protect you from overdrafts. Learn more about Courtesy Pay and how to add even more overdraft protection.

Courtesy Pay helps cover checks, bills, and withdrawals that exceed your checking account's balance, so your transaction still goes through. Courtesy Pay coverage is not guaranteed, however, and your eligibility depends on the current standing of your LMCU account.

Courtesy Pay is enabled automatically for LMCU checking accounts in good standing, 30 days after the account is opened.

You will be charged a $30 each time Courtesy Pay covers an overdraft. The total number of times Courtesy Pay can cover an overdraft depends on your account’s current standing.

Once Courtesy Pay covers an overdraft, you are still responsible for bringing your negative checking account balance back into the positive within 30 days to avoid further penalties.

ATM & debit coverage for Courtesy Pay requires a manual opt-in. Please give us a call to opt in at (800) 242-9790

We also offer Savings Backup as an additional form of overdraft protection. When enabled, Savings Backup automatically transfers money in $100 increments from your savings account into your checking account to cover an overdraft. To set up Savings Backup, call (800) 242-9790 or visit an LMCU branch near you.

Yes, it can help to set up multiple forms of overdraft protection, so that even if, for example, your savings account doesn’t have enough funds to cover an overdraft, Courtesy Pay can still protect you.

Set up debit coverage

If you would like ATM & debit card transactions to be protected from overdrafts by Courtesy Pay, too, use this form to opt in to Courtesy Pay debit coverage. You can change your choice at any time.