MSUFCU offers simple solutions and options to cover transactions when one account has insufficient funds. With overdraft protection, you'll feel safe knowing you have a back-up plan.
Courtesy Pay works in addition to your overdraft protection for your checking account. If you write a check or authorize an ACH transaction and overdraft protection cannot cover the funds, Courtesy Pay may pay the transaction for you so it does not "bounce." A $30 fee is assessed each time Courtesy Pay is used.*
When Courtesy Pay is used, you will be notified of the transaction, and your checking account must be brought to a positive status immediately upon notification.
*Qualified members automatically receive this service. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay if your account is not in good standing. Business or Organizational accounts, temporary residents, and members with accounts in default will not be granted this service.
Courtesy Pay for Debit is an additional form of overdraft protection that's available to help cover your Visa Debit Card transactions.* Avoid the embarrassment and inconvenience of declined transactions! If for whatever reason, funds are not available in your checking account at the time you make a Visa Debit Card transaction—for example, checking out at the grocery store—Courtesy Pay for Debit can help cover your transaction so your purchase is not declined.
Sign Up for Courtesy Pay for Debit
To set up this additional protection on your account, you must opt-in to this service.
*Whether your overdrafts will be paid with Courtesy Pay is discretionary, and MSUFCU reserves the right not to pay if your account is not in good standing. Business and Organizational accounts, temporary residents and members with accounts in default will not be granted this service.