Courtesy Pay

Overdraft Protection Program for HomeFREE Checking accountholders

When you don’t have sufficient funds available in your HomeFREE Checking account, including any overdraft protection plans you have established, Courtesy Pay can protect you from returned checks and pre-authorized electronic debits by advancing funds against your future deposits.* This protects your credit and avoids the inconvenience of a declined transaction. For fees associated with Courtesy Pay, view our Consumer Fee Schedule.

Courtesy Pay Protection Extended Benefits

To include your ATM and everyday/one-time debit card transactions in the Courtesy Pay program, opt in to Courtesy Pay Protection. You can opt in through Online Banking, or complete and sign our opt-in form and return it to your local branch.

* Your account must be open for at least 90 days to qualify for Courtesy Pay Protection and is automatic for qualified members with a HomeFREE Checking account. Basic Checking is not eligible for Courtesy Pay. Courtesy Pay occurs when you do not have enough money in your HomeFREE checking account, or any other overdraft protection plan you have established, to cover a transaction and we pay it anyway. We pay overdrafts for checks and other transactions made using your checking account number and automatic bill payments. We will charge a fee for each overdraft presentment paid. Refer to our Fee Schedule for fees associated with Courtesy Pay. We pay overdrafts at our sole discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. The total of your overdraft (negative) balance is due and payable on demand. You are required to immediately deposit sufficient funds to your account to cover the overdrafts paid by us and any related fees. If you also want us to authorize and pay overdrafts on everyday/one-time debit card transactions, you must opt in by visiting any SESLOC branch or in Online Banking. Please see the complete Courtesy Pay Agreement and Disclosure for eligibility and administration of the Courtesy Pay program.

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