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Courtesy Pay

On occasion, circumstances occur that can cause you to overdraw your account. Overdrafts occur when the amount of a check or electronic transaction (e.g., ACH) exceeds your available balance at the time it is presented to the credit union for payment, or when a Visa debit card transaction exceeds your available balance at the time of your purchase and at the time your transaction is posted to your account. Your available balance reflects any deposit holds or Visa debit card holds for previous purchases that have been authorized but not yet presented for payment; therefore, your available balance may be less than your account balance.

At Metro, you can select from one of several options to determine how those overdrafts will be treated. The information below may assist you in understanding overdrafts and your overdraft coverage choices.


Overdraft Protection/Back-up Account

If your checking account has insufficient funds to cover a transfer, purchase, or withdrawal, you can elect to automatically transfer funds from another account to prevent your checking account from becoming overdrawn. You may also choose to apply for an overdraft line of credit that is linked to your checking account to keep your account in good standing. There is an automatic transfer fee* for transfers automatically made from savings, checking or money market accounts. You can avoid this fee by transferring or advancing funds prior to the transaction that causes an overdraft/negative balance.

Lines of credit, home equity lines of credit, savings accounts, money market accounts and secondary checking accounts can all be linked to your checking account to prevent overdrafts. Generally, Metro will advance funds from deposit accounts prior to advancing funds on a line of credit/HELOC.

Note: money market accounts are subject to monthly withdrawal limitations and fees may apply if the number of transfers exceeds those limits.

*For a complete list of fees, click here

Courtesy Pay Service

The Metro Credit Union Courtesy Pay program adds a measure of protection to your checking account. It can temporarily cover purchases and payments when sufficient funds are not available in your account. Courtesy Pay is not a loan, and your checking account must be brought to a positive balance within 35 days. 

Courtesy Pay can be used to pay checks, ACHs, and BillPay transactions.  You must affirmatively choose (Opt In) to have Courtesy Pay cover every day debit card transactions.  Courtesy Pay will not cover ATM withdrawals, in-person transactions, or online banking transfers.
 
Metro will charge a fee if we pay an overdraft in the following circumstances: 

  • We will charge you a fee of up to $33 each time we pay an overdraft, if the transaction we pay exceeds $5 and the account is overdrawn by more than $50 (available balance is negative by more than $50) after payment of the overdraft. (Due to system limitations, in some cases where the transaction is $5 or less or the account is overdrawn by less than $50, the fee may be assessed and then reversed.)
  • We will charge you no more than four (4) overdraft fees per day.
  • Note: Returned items may incur a fee if presented a subsequent time and paid using Courtesy Pay if the charge is more than $5 and the available balance is below $50 negative.

Our Overdraft Services Disclosure is available here.

How to Set-Up, Change or Cancel Your Overdraft/Courtesy Pay Selection

To add or remove Courtesy Pay for Visa debit card purchases, sign in or register here, visit a branch, or call us at 402-551-3052.

To opt out of Courtesy Pay for all other transactions including Visa debit card purchases, visit a branch, or call us at 402-551-3052.

Avoid Overdrafts/Tips on Budgeting

  • Check your available balance regularly. It is available on our mobile app, in online banking, at any Metro Credit Union ITM and ATM, and over the telephone via ARTIE.
  • Keep track of automatic payments such as utilities, car insurance or loan payments.
  • Review your statement.
  • Do not rely on check clearing time. In today’s banking environment, many transactions clear in less than 24 hours, and some clear the same day they are initiated.
  • Set up account alerts online or through the mobile app to receive updates about any of your Metro accounts.

Frequently Asked Questions

External Resources

  • I have been with Metro Credit Union since 1996. I wouldn't change to any other bank. Very friendly people and their service is outstanding.
    Tammy F.
  • They make banking easy. The mobile app allows quick access to activity going on in my account, and their tellers are great with ensuring the security of my account.
    Katherine V.
  • I have had multiple loans with Metro Credit Union, and they have stood beside me throughout the six years that I have been banking with them
    Duane T.
  • I have been a member of Metro Credit Union for 40 years. I have gotten car loans and other loans. Some of my children are banking there as well. Friendly and knowledgeable personnel at all locations. Love my credit union!
    Louise G.
  • I've done business with Metro for 7 years. Every branch is friendly and willing to do business to suit my needs. Referred to many friends.
    Brian G.
  • I love banking with Metro! I’ve never had an issue, whenever I have questions I write to them on the mobile app & they always answer quickly :)
    K.W.
  • It’s always a great experience at Metro Credit Union!
    Randy J.
  • Tellers are very friendly and able to answer questions and assist in timely manner. Also they have really good coffee for customers.
    Wendylyn M.
  • I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!
    Mohammed H.

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