Overdraft Protection Transfer and Courtesy Pay are two separate Overdraft Services offered by UFCU.

Overdraft Protection Transfer allows funds to be transferred from a previously linked UFCU account, such as savings, Money Market, checking account, or Line of Credit, to pay an item. Overdraft Protection Transfer will not allow the account to overdraft or (go into a negative balance) to pay an item. To designate which account(s) you’d like to enroll in Overdraft Protection Transfer, log into Online Banking or contact Member Services.

Courtesy Pay is a service that pays items that might otherwise be returned due to insufficient funds in your account, or when Overdraft Protection Transfer is unable to cover the transaction. If you have set up an Overdraft Protection Transfer source, we will try using this method before paying your overdraft utilizing Courtesy Pay.