Courtesy Pay

Did you know you can have overdraft protection on your Debit Card?

Our Courtesy Pay program is automatically available to provide overdraft coverage for checks, automatic bill payments and other debit transactions. However, without your consent to provide overdraft coverage for your ATM/Debit Card, if you do not have enough money in your account at the time of your request it will be DECLINED.

 

We’ve Got You Covered!

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 accidentally 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 of 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.

AERO Federal Credit Union understands, which is why we offer Courtesy Pay. Courtesy Pay is a non-contractual overdraft protection service that requires no action on your part to enroll. There are no fees to have Courtesy Pay available on your share draft account. You only pay our standard Non-Sufficient Funds (NSF) fee if you use Courtesy Pay to cover an insufficient item. With Courtesy Pay, instead of your check being returned or your debit card purchase being declined, we may pay or approve those items up to your overdraft limit of $500. Click here for more details about Courtesy Pay.

Courtesy Pay is automatically available to our share draft checking account holders for checks, automatic bill payments and other debit transactions.  If you would like to have overdraft protection through Courtesy Pay for your ATM withdrawals and everyday debit card purchases, simply ask us to add Courtesy Pay protection for these types of transactions.  Click here for more details about adding Courtesy Pay overdraft coverage for ATM and Debit card purchases.

AERO’s overdraft program does not guarantee we will cover your overdrafts, but if we do, you will be charged our standard fee for each overdraft. As long as you keep your account in good standing by continuing to make consistent deposits, bringing your account to a positive balance at least once every 30 days, remaining current on loans, etc, then we may pay your overdraft item up to your overdraft limit of $500.00.

Courtesy Pay Brochure         Opt-In Form           Fee Schedule

Get Overdraft Protection Today!

If you want the added protection of overdraft coverage for your ATM withdrawals and everyday debit card purchases contact us today and consent to the added protection by either:

  1. Calling us at 623.334.4701
  2. Completing and submitting an opt-in form

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Current Rates

Savings Secured

Up to 60 months

4.00

%
APR*
Credit Cards

as low as

7.92

%
APR*
Home Equity

Fixed Rate

5.25

%
APR*
Auto Loans

Up to 72 months

3.24

%
APR*
Motorcycle

as low as

4.74

%
APR*
Personal Loans

as low as

8.25

%
APR*
Boats or RVs

as low as

5.25

%
APR*
* Interest rate is based on the loan term and credit score.

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