Community Service Credit Union

Overdraft Protection

It's easy to make your checking account fit your busy lifestyle!  At CSCU, we provide protection from budget miscalculations, so an oversight doesn't put your account at risk for unnecessary fees or declined debit card.

Use Overdrat Protection Services when you do not have the funds in your account to cover a transaction.  CSCU offers two convenient overdraft service options:

CSCU also provides a variety of premium tools to help you keep in touch with account activity at your convenience. Check balances, transfer funds, and pay bills at any time, from anywhere.  By using these free tools to manage your account balances, you may be able to avoid a budget oversight which could put your account at risk for unnecessary fees or declined debit card transactions.

  • Online Banking - Manage accounts anytime, anywhere
  • Text Message Banking - Get balance and history information by text
  • Mobile Banking - Log in while on-the-go with your mobile device
  • Financial Game Plan - Create customized budget goals and alerts (available early 2014)

Overdraft Protection

Mistakes happen. Cover your checking account today!

It can be easy to lose track of spending and make an occasional budget oversight.  But, it's also easy to "back-up" your CSCU checking account by linking it to an Overdraft Protection source.  If you write a check, authorize a payment, make a cash withdrawal at an ATM, or use your debit card to make a purchase when there are not enough funds in your checking account, funds will be transferred from your designated Overdraft Protection source to your checking account to cover the amount.

Choose the Overdraft Protection you prefer:

  • Savings Account
  • Money Market Account
  • Line of Credit

It's easy and free to set up Overdraft Protection! And you'll only pay for Overdraft Protection when and if you use it. The transfer service costs just $2 per transfer, whatever the source; savings, money market account, or line of credit.  In addition, CSCU offers a standard overdraft protection service, called Courtesy Pay, that comes with your account. Learn more about Courtesy Pay.

Let Overdraft Protection save you the hassled of returned payments and help save you money by avoiding returned check fees or late fees from creditors.

You can use all three sources for protection. Just tell us the order you want services accessed.  Review your Overdraft Protection today! Call us at 877-293-3980.

Restrictions may apply. Refer to account disclosures for details.

Courtesy Pay

Opt in now so you can check out later!

If your account has insufficient funds, Courtesy Pay can help you avoid the hassle or embarrassment of declined debit card transactions.  As a courtesy to members in good standing, this service pays checks, electronic items and debit card transactions that would not have cleared otherwise. 

Courtesy Pay is a standard overdraft protection service that comes with CSCU transaction accounts for checks and electronic items.  You can choose to add coverage for debit card transactions.  At CSCU, you only pay a fee for overdraft protection for debit card transactions when and if you use it.  And, you'll find that we offer one of the most affordable, and friendliest, solutions in our industry.

Here are just a few ways you can benefit from Courtesy Pay convenience:

  • Check out at the grocery store with a big total, even if you're a bit short.
  • Keep a budget oversight from becoming a bad day.
  • A checkbook error doesn't create a fee spiral.

How does Courtesy Pay work?

For overdrafts caused by checks, automatic bill payments, and other transactions using your checking account:

  • The fee for each overdraft transaction is $29.

For overdrafts caused by everyday debit card transactions:

  • The fee for each overdraft transaction is $29.

At CSCU, you'll incur no daily fees for negative checking balances!

It's easy to add this affordable and convenient protection for your debit card transactions.  But, CSCU can only authorize and pay overdrafts for everyday debit card transactions if you choose Courtesy Pay and opt in specifically for this coverage.

In addition to Courtesy Pay, CSCU also offers Overdraft Protection, which may be even more affordable option. Learn more about Overdraft Protection.

Account must meet credit union criteria for Courtesy Pay 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. The negative balance must be paid within 30 days. You may opt out of Courtesy Pay by contacting us at 877-293-3980.

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877.293.3980|250 FM 2821, Huntsville, Texas

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