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Privilege Pay Discretionary Overdraft Courtesy

For unforeseen expenses and occasional mistakes

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

Privilege Pay is a special service available to qualified checking accounts that will pay your overdrafts up to a pre-determined limit. This means we will not return a check for insufficient funds and instead your Privilege Pay will activate and cover the cost. Privilege Pay Plus is also available to cover ATM and everyday debit card transactions.

Benefits include:

  • No annual fee
  • Only charged if Privilege Pay covers an overdraft ($25 per item will be charged on overdrafts)
  • Peace of Mind your account is covered

For more information and to opt-in to Privilege Pay and Privilege Pay Plus, please call or visit your credit union branch office, or click here to send us a message via our online contact form.

Please see our Special Services Fee Schedule Adobe Reader File for cost information.

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.

Member Resources

Privilege Pay Q&A Checking Accounts Visa Check/ATM Cards
Routing # 296076084 • Toll-Free 800-229-2848