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Courtesy Pay is a good solution that can save your account from being overdrawn.
An overdraft is when you try to pay for something, but you don’t have enough money in your checking account to cover it.
Courtesy Pay will help save you the embarrassment and inconvenience of a returned item, as well as the fee normally charged to you by merchants for items returned to them. There is no fee for having Courtesy Pay unless you use it. It allows you to use money in your savings account to cover overdrafts. Courtesy Pay is a discretionary service provided to members with a checking account in Good Standing and by which Dover Federal Credit Union may pay an item presented for payment against your checking account when your checking account does not have a sufficient Available Balance to cover the item.
To be covered by Courtesy Pay, you must opt-in through Online Banking (under additional services) or visit any branch location to sign the Courtesy Pay Opt-In form. Eligibility for Courtesy Pay service is required.
- Overdraft Payment Policy Disclosure
- Log in to your online banking account to securely submit your request.
- Refer to the Current Fee Schedule for fees associated with Courtesy Pay