Even the best mathematicians make occasional mistakes. To protect yourself from an accidental account overdraft - and the costs and embarrassment that go along with it - sign up for KeyPoint's Courtesy Pay Privilege service.
Benefits of Courtesy Pay Privilege
With Courtesy Pay Privilege, you avoid the embarrassment and additional Merchant/Retailer fees of "bouncing" checks. This plan protects you from unintended overages on check card transactions and ATM withdrawals.
- Fewer charges from retailers for returned checks.
- No lost time or embarrassment for redeeming unpaid checks.
- Added convenience and flexibility to manage your account.
- Available for checks, ATM withdrawals and VISA® Check Card Purchases.
Courtesy Pay Privilege Eligibility
There is no special enrollment required for Courtesy Pay Privilege. Once you are enrolled, you do not need to take any action to assure your account is protected from overdrafts. This non-contractual courtesy is not a loan. You need not sign any additional agreements, and you pay nothing for the service unless you need to use the privilege by initiating checks, electronic funds transfer (EFT), ACH or ATM/POS transactions. If you maintain the account in good standing and have need for overdraft protection, we may, at our sole discretion, pay the check up to the authorized limit, and we will charge your account our normal NSF/OD Charge for each item that overdraws the account. We will send you a notice each time an overdraft occurs.
For complete details please read the Courtesy Pay Privilege Service Agreement.
Sign up for Courtesy Pay today
Print and sign the Opt-In form and return it to a KeyPoint Credit Union branch or mail it to 2805 Bowers Ave., Santa Clara, CA, 95051.
Still have questions?
View Frequently Asked Questions.