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Courtesy Pay

Hispanic woman reviewing finances online

Life Happens. That's Why We've Got Your Back.

Life is busy. We have hundreds of thoughts a day about things we need to get done, calls we have to make, etc. And no matter how hard we try to catalog those thoughts, it's easy to lose track of everything that competes for our attention. And sometimes, this can affect your short-term financial picture, which is why Education First offers members Courtesy Pay for your checking account.

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Is Courtesy Pay for you?

If you have ever found yourself with a declined purchase while using your debit card or short on funds when faced with unexpected expenses, Courtesy Pay may be the solution for you. Here’s the best part- there’s no cost to sign up. You only pay when you use it!

To find out if your account is eligible for Courtesy Pay, give us a call today at  409.898.3770


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Why Would I Need Courtesy Pay?

X A Mistake in Your Checkbook

Have you ever forgotten to make an entry in your checkbook or attempted a debit card purchase without checking your balance online first? With Courtesy Pay, your overdraft may be covered.

SpeechBubble Miscommunication

Do you have two family members with access on one account? If someone forgets to mention an ATM transaction or debit card purchase it might result in an overdraft. With Courtesy Pay, your overdraft may be covered.


8725956_file_alt_icon An Unexpected Bill

What's new at EFFCU? Check out our blog page for the latest news, updates and community outreach going on with Education First.


Courtesy Pay FAQs

This notice explains our standard Courtesy Pay practices.

We do authorize and pay overdrafts for the following types of transactions:​

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you have elected to add the Courtesy Pay benefit added to your debit card.

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay for any type of transaction. Please note that if we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard Courtesy Pay : 

  • We will charge you a fee of up to $24.99 each time we pay an overdraft
  • There is no limit on the total fees we can charge you for overdrawing your account

Have Questions? We're Here to Help.

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