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Courtesy Pay - NavyArmy Community Credit Union in Corpus Christi and the Rio Grande Valley, Texas

Mistakes sometimes happen when using your checking account that may cause you to become overdrawn. You can opt-in to Courtesy Pay and have your overdrafts covered.

Courtesy Pay

Courtesy Pay may cover a check, automated payment, BillPayer or debit/check card transaction for an amount over your available account balance. It allows you to have a negative account balance because the overdraft(s) are automatically paid up to your approved amount. This provides a level of protection against being declined at the checkout line and avoids the embarrassment and cost of having a returned check.

We’ve made it easy to opt-in to Courtesy Pay. Simply contact us in one of the following ways:

For assistance please call: 361-986-4500 or 1-800-622-3631

Overdraft FAQ’s

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number.
  • Automatic bill payments.
  • ATM transactions and everyday debit/check card transactions until August 15th, 2010.

We will not authorize and pay overdrafts, after August 15th 2010, for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit/check card transactions

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 an overdraft, your transaction will be declined.

What fees will I be charged if NavyArmy pays my overdraft?
Under our standard overdraft practices:

  • We will charge you a fee of $30 for each check or ACH transaction that overdraws your account.
  • We will charge you a fee of $25 for each ATM and everyday debit/check card transaction that overdraws your account.
    There is no limit on the total fees we can charge you for overdrawing your account.
Courtesy Pay should not be used as a source of extra funds, but as a safeguard to protect against unexpected mistakes. It provides you the security of knowing your transaction will be processed, not returned for insufficient funds, and it saves you from being charged any additional fees by the merchant.