At Finger Lakes Health Care FCU, we strive to offer new and improved solutions to meet all our members’ financial needs, which is why we offer Courtesy Pay.
Most of us have found ourselves facing an occasional cash shortfall. Be it the result of a checkbook error or an unexpected bill. If you have ever accidently bounced a check, you already know that in addition to the embarrassment, you may also face merchant fees for the returned check along with the inconvenience if returning to the merchant to correct the error. And while a declined debit card does not create merchant fees, it can be an embarrassing experience.
Courtesy Pay is a non-contractual courtesy, whereby we may honor your insufficient transactions up to your limit of $300, as long as you maintain your checking account in good standing. Courtesy Pay does not guarantee that Finger Lakes Health Care FCU will pay your insufficient item. However, if you should have an overdraft, your account will be charged our standard $20 non-sufficient funds (NSF) fee.
With COURTESY PAY, our intention is to provide you with another resource to help manage your occasional cash shortfall. Our Courtesy Overdraft Program will automatically be added to your account for checks, automatic bill payments and other debit transactions. If you would like overdraft coverage for your ATM withdrawals and everyday debit card purchases, see below.
Finger Lakes Health Care FCU believes COURTESY PAY is one more way we can help meet your unexpected financial needs. If you would like to have overdraft coverage for ATM withdrawals and everyday debit card purchases or if you would not like overdraft coverage for checks, automatic bill payments and other debit card transactions, please notify us by completing the form below or by calling 607-733-1304 or 607-535-4166.
Courtesy Pay Opt-In Authorization
I want Finger Lakes Health Care FCU to authorize and pay overdrafts on ATM and everyday debit card transactions.
