Discretionary Overdraft Courtesy

Privilege Pay & Privilege Pay Plus

Mistakes and unforeseen expenses happen to all of us. That's why we are happy to introduce Privilege Pay. Instead of automatically returning a check for insufficient funds, we may pay your overdrafts up to a pre-determined limit. This service is available on qualified checking accounts, as described in our Privilege Pay Discretionary Overdraft Courtesy Policy (36 kb). Privilege Pay will be used after all other overdraft resources are exhausted.

There is no annual fee for Privilege Pay. You will only be charged if Privilege Pay is used to cover an overdraft. A Privilege Pay fee of $20 will be charged for each item that overdraws your account.

Our standard Privilege Pay service covers checks, electronic bill payments and ACH payments.

Privilege Pay Plus – you also have the option to elect coverage for your ATM and everyday debit card transactions with Privilege Pay Plus. To opt in to this service, please contact your credit union branch office or send us a Secure Message via Solutions@HOME.

Privilege Pay and Privilege Pay Plus will save you the expense, embarrassment, and inconvenience of having a check returned or your debit card declined, and helps protect your credit rating.

For more information, see our Questions and Answers about Privilege Pay.

Standard Overdraft Fees Apply. We pay overdrafts at our discretion and without guarantee. You may choose to participate in a specific savings transfer or Overdraft Protection line of credit program with our institution. Periodic payments that cause your account to overdraw will not be honored with Privilege Pay. The total Privilege Pay balance, including the overdrawn amount and all fees, is payable upon demand. If your account is not brought up to a positive balance in 30 days, Privilege Pay will be suspended.