Overdraft Protection

Protecting your finances

In addition to offering financial services that help you save money, RBFCU provides options to protect your accounts and transactions.

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Last-resort coverage

RBFCU allows members to complete automatic transfers and protect themselves from potential overdrafts (up to six free transfers from savings each month) or apply a line of credit as overdraft protection, making Courtesy Pay a true last resort for members.

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Affordability

For each Courtesy Pay transaction, members are assessed a non-refundable fee of $24, nearly $10 below the national average of $33. The reasonable cost for our Courtesy Pay program gives you an option when you need to make an emergency purchase.

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Convenience

Courtesy Pay, sometimes also known as overdraft protection, provides a level of protection against being declined at the checkout line and avoids the embarrassment and cost of having a returned check. Courtesy Pay may be applied to a check, automated payment, online bill pay or debit card transaction if you spend an amount over your available account balance.

How do I enroll in Courtesy Pay?

Sign in to your Online Banking account, click on the Profile icon, select “Profile Settings,” then click on “Member Services” and follow the self-service directions.

You can also ask a member service representative by phone or at your nearest branch.

Due to regulatory requirements, Courtesy Pay is only available on debit card transactions to members who "opt in" as an overdraft option. We pay all checks and debits on your checking account in order of arrival sequence throughout the day. For more information, read “What You Need to Know About Overdraft Protection.”

Overdraft FAQs

  • How much is an overdraft fee?
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    Courtesy Pay fees are $24 per transaction. If you do not have Courtesy Pay on your account and you make a transaction without sufficient funds, you may be charged a non-sufficient funds fee of $24 and the item will be returned unpaid.

    For more information, read “What You Need to Know About Overdraft Protection.”

  • How many times can I use Courtesy Pay in a day?
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    There is no limit on the number of times you can use Courtesy Pay in a day. However, your account has a specific Courtesy Pay dollar amount that you cannot exceed.

    For more information, read “What You Need to Know About Overdraft Protection.”

  • I don't agree with the Courtesy Pay fee I was charged. What do I do?
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    In your online banking account, we offer additional detail regarding each Courtesy Pay transaction, including the balance in your account and the other pending transactions at the time the Courtesy Pay fee was assessed. Please take a moment to review this information for more detail on why a fee was assessed. If you feel a Courtesy Pay fee was incurred in error, please contact us at 210-945-3300.

    For more information, read “What You Need to Know About Overdraft Protection.”

  • How much time do I have to repay Courtesy Pay?
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    You have 45 days to repay the transaction amount(s) plus fees incurred. A fee of $24 will be charged for each Courtesy Pay use.

    For more information, read “What You Need to Know About Overdraft Protection.”

  • Under what circumstance would RBFCU not pay an Overdraft Item?
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    Overdrafts occur when you do not have available funds in your checking account and you have not enrolled in Overdraft Protection or Courtesy Pay. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay for an overdraft, your transaction will be declined.

    For more information, read “What You Need to Know About Overdraft Protection.”

Overdraft Calculators

  • How much am I spending?
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  • What is it worth to reduce my spending?
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