We offer a grace for an overdraft under $5. For overdrafts $5 or more, there is a per item fee for each item paid through this service. (see Fee Schedule).

Tips to Help Prevent Courtesy Pay Fees

1. Enroll in Online Banking and Download the Mobile app
   Be in the know and get your balance and transaction information. This gives you a better idea of what you have available to spend.
2. Set up Automatic Transfer into Savings
   Work to build a cushion in your savings account by having automatic, reoccurring transfers from your checking when you get paid.
3. Add Direct Deposit
   When you enroll in Direct Deposit you can get paid up to 2 days earlier. This helps you access your funds sooner and can save you a trip to the branch to deposit your paycheck.