How Does Courtesy Pay Work?

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. To help members avoid this occasional problem, Texasgulf FCU offers Courtesy Pay. 

 

Courtesy Pay is a non-contractual courtesy, whereby we my honor your insufficient transactions up to your limit of $500.00, as long as you maintain your share draft account in good standing. Courtesy Pay does not guarantee that Texasgulf FCU will pay your insufficient item. However, if you should have an overdraft, your account will be charged our standard $25.00 non-sufficient funds (NSF) fee.

 

THIS SERVICE IS ONLY AVAILABLE TO MEMBERS WITH PERSONAL SHARE DRAFT OR FREE CHECKING ACCOUNTS. THIS SERVICE IS NOT AVAILABLE TO MEMBERS WITH ONLY SHARE/SAVINGS ACCOUNTS, MINOR ACCOUNTS, BUSINESS ACCOUNTS, OR ETA ACCOUNTS.

 

With Courtesy Overdraft Privilege, our intention is to provide you with another resource to help manage your occasional cash shortfall. Our Courtesy Pay Program will automatically be added to your account for checks, automatic bill payments and other debit transactions.
 

For more details regarding your options for overdraft coverage, please click here and print or save a copy for your records.

 

To Opt-In to Overdraft Coverage speak with a Financial Service Representative at our Wharton (979) 282-2300 or El Campo (979) 578-9000 branch or call toll free 1-800-647-8428. You can also email info@texasgulffcu.org with "Courtesy Pay Opt-out" in the subject line.

 

Opt-In Form Courtesy Pay Policy

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