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Courtesy Pay
About Courtesy Pay
Learn how to avoid declined debit transactions, returned checks, and other non-sufficient funds (NSF).
NSFs Can Happen…
这可能发生在任何人身上——从你的支票账户中退回的支票和其他类型的付款，由于可用余额不足而被拒绝. Direct Financial provides many different ways to help you avoid NSF incidents.
我们提供免费的网上银行服务，您可以每天实时查看您的账户余额. 我们提供自动帐户警报，将通知您在您的帐户中某些类型的活动, including when your account balance drops below a level that you specify, or when a debit transaction occurs. Using mobile banking, 您可以跟踪您的帐户活动，并从您的智能手机或其他移动设备进行即时转账. 或者您可以使用您的电话和使用我们的自动帐户线系统来监控您的帐户活动和可用余额，以帮助防止NSF事件.
Courtesy Pay Can Help
礼貌支付是我们在Direct Financial提供的一项服务，旨在帮助您避免因可用余额不足而退回支票和其他类型的拒绝交易. Courtesy Pay may be used to help cover check and ACH transactions, BillPay items originated from online banking, as well as transactions that you make using your debit card. With Courtesy Pay, 即使您的账户中没有足够的可用资金，Direct Financial也可以为您支付交易费用.*
For this service, we will charge you a Courtesy Pay/Paid NSF Fee of $14 per transaction item, which will be deducted from your account. You do not have to sign up for Courtesy Pay to work for your paper checks, BillPay or electronic (ACH) items you originated from your checking account. However, you do have to opt in if you want the protection of Courtesy Pay to apply to your everyday debit card transactions. Note that at Direct Financial, we do NOT extend Courtesy Pay to ATM or non-checking account transactions.
*如果您的账户中没有足够的可用资金来支付交易，我们保留自行决定支付或不支付任何项目的权利. If we pay a check or item that would otherwise overdraw your account, 您同意立即支付透支金额(在收到通知后24小时内或更短时间内). We may consider your relationship with the Credit Union, account history, financial behavior, 和/或其他因素，当决定是否支付项目(透支)或退回项目的资金不足(NSF)。.
18岁以下人士的帐户不符合使用“礼金支付”服务的资格.
How We Calculate Your Available Balance
我们从您账户中的实际或期初余额开始，扣除任何持有的支票或待处理的借记卡交易，以确定可用余额. 对于非pin借记卡购买(如您签名或在线交易), 零售商将交易提交给Direct Financial，我们将对资金进行借记卡授权持有，直到交易结算并存入您的账户. For check holds, such as ATM check deposits, the first $200 is immediately available, however, the remainder may be held longer.
Here’s an example:
| Transaction | Amount |
|---|---|
| Beginning account balance | $1,000 |
| Debit card purchase made the prior night | -100 |
| Check for $500 deposited at ATM ($225 immediately available, however $275 is held until the next business day) |
+225 |
| Available balance | $1,125 |
我们使用您的可用余额来确定某笔交易是否会导致您的账户透支. 当您在线查看您的帐户时，您可以查看您的实际余额和可用余额, at an ATM, by phone or at a branch.
What If I Don’t Want Courtesy Pay?
如果您不希望我们支付由于可用余额不足而无法清算的支票或其他电子交易，您可以正规博彩网站评级以选择退出礼貌支付. 如果您选择退出“礼貌支付”，那么当您的账户中没有足够的可用资金时，您的支票或其他交易将被退回，并且您将被收取每件14美元的标准退货费用.
除了退货费用外，提交退货的个人或实体还可能向您收取费用和/或利息. 注意:如果您不选择允许我们授权超出您可用余额的借记卡交易, 这些交易将在购买点被拒绝，除非您已经建立了下面描述的其他计划来支付这些付款. There is no return item fee assessed for denied debit card transactions. 您或信用合作社可以随时撤销或恢复您的选择加入和/或选择退出的决定.
Are There Other Ways to Avoid Overdraft and NSF Fees?
Yes, there are!
At Direct Financial, you can “link” your checking account to certain types of accounts, such as savings, money market, or loan accounts. If you have established this link, 可用资金将自动从您的一个关联账户转入您的支票账户以支付付款.
Overdraft Transfer and Courtesy Pay Comparison
Overdraft Protection
Courtesy Pay
Overdraft Protection
Courtesy Pay
Description
Overdraft Transfer provides a link to your checking account using a savings, 绿色货币市场账户或信用额度，自动转移可用资金以覆盖透支.
对支票、账单和电子(ACH)项目自动提供礼遇支付. 符合资格的会员也可以通过选择加入的方式授权Direct Financial将“礼金支付”扩展到一次性借记卡交易.
Overdraft Protection
Courtesy Pay
Is there a fee?
4 free per month, then $3.00 each
$14 per paid item. Courtesy Pay/Paid NSF Fee
Overdraft Protection
Courtesy Pay
How do I sign up?
Speak to a Member Service Representative, call, or write us.
Speak to a Member Service Representative, call, or write us.
Overdraft Protection
Courtesy Pay
What happens if I do not opt in?
Your transactions may be eligible to be covered by Courtesy Pay. Transactions that are paid through Courtesy Pay, including debit card transactions if you have opted in, will result in a higher overdraft fee.
如果您的借记卡交易超过您的可用余额，将在销售点被拒绝. 您的其他交易将被视为礼貌支付，除非您选择退出.
Overdraft Protection
Courtesy Pay
What additional information should I know?
如果您在关联账户中保留可用资金，注册透支转账可以降低费用. 此外，您可以随时通过联系Direct Financial更改您的礼貌薪酬选择.