Courtesy Pay^sm
Overdraft Protection Solution

Courtesy Pay^sm may help you avoid the embarrassment of returned checks. It's a feature of your checking account where we will consider payment of your occasional or inadvertent overdrafts up to your Courtesy Pay^sm overdraft limit. With Courtesy Pay^sm, you'll know that your checks, and other eligible transaction types will be considered for payment with your Courtesy Pay^sm limit, rather than being automatically returned unpaid, as long as you maintain your account in good standing.

Overdraft Protection for your ATM transactions and debit card purchases.

The convenience of Courtesy Pay^sm will be available for your ATM transactions and debit card purchases. Rather than automatically declining your ATM transaction and debit card purchases when there are insufficient funds in your account, we will consider payment of your reasonable overdrafts.

Courtesy Pay^sm can mean . . .

• Protection for ATM transaction and debit card purchases
• Avoiding the embarrassment and expense of a returned check
• Payment of your overdrafts up to:
  • $750 for personal checking accounts
  • $1,500 for business checking accounts will automatically be considered
• Less aggravation

Our standard NSF/overdraft fee of $28.00 will apply to overdrafts created by check, in-person withdrawals, ATM withdrawals, debit or POS transactions that would create an overdraft. Remember, your “available balance” displayed on the ATM screen and/or printed on your receipt does include the Courtesy Pay^sm limit that may be available on your account.

Important:

To avoid creating an overdraft, you may stop the ATM/debit card transaction by pressing “cancel” at any time prior to completing a withdrawal, transfer or purchase. We will send you a notice each time an overdraft occurs. Of course, we are not promising to always pay your overdrafts with this discretionary service, and not all accounts are eligible, and some restrictions do apply.

Questions?

For more information about Courtesy Pay^sm and our other overdraft protection solutions, or to remove this service from your account, please call 800-773-5601 or visit your nearest branch office.

What does Courtesy Protection privilege cost?
Do I need to apply for this service?
What is my Courtesy Pay^sm limit?
How will I know when I use my overdraft limit?
What if I go beyond my Courtesy Pay^sm limit?
How quickly must I repay Courtesy Pay^sm?
What types of accounts are not eligible for Courtesy Pay^sm protection?
What if Courtesy Pay^sm is not for me?

What does Courtesy Protection privilege cost?

• There are no additional costs associated with the overdraft privilege unless you use Courtesy Pay^sm.
  
• Then our standard NSF/overdraft fee will apply to each item that would overdraw your eligible checking account.
  
• Remember, checks drawn up to your Courtesy Pay^sm limit will generally not be automatically returned unpaid, but will be considered for payment using your Courtesy Pay^sm limit This can save you the high costs and embarrassment associated with returned check fees charged by merchants and retailers.

Do I need to apply for this service?

No. Courtesy Pay^sm may be applied to all qualifying checking accounts that meet the requirements for good standing.

What is my Courtesy Pay^sm limit?

Personal checking* $750

Business checking* $1,500

Not all checking accounts are eligible and some restrictions apply to eligible accounts. Courtesy Pay^sm is not available to account holders less than 18 years of age or younger. Remember, your Courtesy Pay^sm limit will include standard NSF/overdraft fees that are charged to your account. Some restrictions apply and you should read our Courtesy Pay^sm Service Description/Policy

How will I know when I use my overdraft limit?

• You will receive an overdraft notice in the mail each time items are paid, or returned unpaid.
  
• The notice will show the check number, amount and our NSF fee.
  
• You should subtract the NSF fee(s) from your checkbook.

What if I go beyond my Courtesy Pay^sm limit?

• Overdrafts beyond your established Courtesy Pay^sm limit, or if you do not maintain your account in good standing as defined in our Courtesy Pay^sm Service Description/Policy, may result in checks items being returned to the payee.
  
• Remember, the fee for paying an item is the same as for returning one.
  
• Standard NSF/overdraft fee will be charged and assessed to your account for each item.
  
• We will continue to notify you by mail of all paid and returned overdrafts, and of our fees for these overdrafts.

How quickly must I repay Courtesy Pay^sm?

• You would need to bring your account balance positive within 30 days, or upon our demand.
  
• If you are not able to repay as we require, you will receive a letter informing you of your options.
  
• If, after a period of time, your account has not been brought into a positive balance, we will have no option but to close your account and take steps to recover the funds.

What types of accounts are not eligible for Courtesy Pay^sm protection?

The following retail and commercial accounts are NOT eligible:

• All savings type accounts
  
• All money market accounts
  
• Accounts held by customers aged 18 and under

What if Courtesy Pay^sm is not for me?

If you feel this service is not for you, please let us know. We have other options that may help to cover inadvertent overdrafts, such as lines of credit and transfers between accounts. We would be happy to discuss these alternatives with you.

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