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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Affordability

For each Courtesy Pay transaction, members are assessed a non-refundable fee of $24. The reasonable cost for our Courtesy Pay program gives you an option when you need to make an unexpected purchase.

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Last-resort coverage

RBFCU allows members to complete automatic transfers and protect themselves from potential overdrafts or apply a line of credit as overdraft protection, making Courtesy Pay a true last resort for members.

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Convenience

Courtesy Pay is a convenient service that may be applied to a check, automatic payment, RBFCU Bill Pay™ or debit card transaction2 if you spend an amount over your available account balance.

How do I enroll in Courtesy Pay?

To enroll or change your Courtesy Pay options, visit the “Courtesy Pay” page in your Online Banking account and follow the self-service directions.

You can also ask a Member Service Representative by chat, by phone or at your nearest branch.

1Line of Credit subject to credit approval.

2Due to regulatory requirements, Courtesy Pay is only available on debit card transactions to members who “opt in” as an overdraft option. For more information, read “What You Need to Know About Overdrafts and Overdraft Fees.”

  • 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 Overdrafts and Overdraft Fees.”

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