If Overdraft Transfers can't cover it, Courtesy Pay is available. With Courtesy Pay, MSUFCU will cover charges when you overdraw your account, taking your account negative. If opted into this service and need to use it, you can overdraw by up to $50 for free with Balance Shield.
After Balance Shield, there is a $30 charge for each day that you use Courtesy Pay to cover your transactions. The amount of Courtesy Pay available is determined by your account activity.
To read all the Courtesy Pay details, click here
If you have not set up these options or they are exhausted, transactions will decline or be returned unpaid, but MSUFCU doesn't charge non-sufficient funds (NSF) fees.
eAlerts and eNotices are customizable account notifications that help you stay on top of your finances to avoid an NSF.
Contact us to learn more about which options may be best for you.