Courtesy Pay Disclosure
As a benefit to our members, we offer a useful feature on our checking account products—A Courtesy Pay Overdraft Service. With this service, we will generally pay your overdraft (nonsufficient-
funds, NSF) items and fees up to $500 for Fulton County Federal CU checking accounts, subject to the rules, criteria and limitations as set forth in this disclosure. The feature will
save you time, embarrassment and may prevent additional fees charged by others to process your overdrafts.
With the Courtesy Pay Overdraft Service, we generally pay your overdraft items up to $500 for FCFCU checking accounts, however; we reserve the right to unilaterally refuse payment of any
item without advance notice to you. When we pay overdraft items, you will be charged our normal NSF (non-sufficient funds) fee, currently $25.00, for each item that is paid. Both the
amount of the overdraft and all applicable fees, including but not limited to the $25.00 NSF fees, are included in this limit. The Courtesy Pay Overdraft Service is available for all checks you
write, ACH items, Internet Bill Payer, †debit card transactions, and †ATM withdrawal items. You are required to either “Opt In” or “Opt Out” of the Courtesy Pay Overdraft Service if
you want it available when making everyday debit card transactions or for ATM withdrawal items. When making an ATM withdrawal, your Courtesy Pay balance is included in
your available balance. For up-to-date balances, call our Touch Tone Teller or visit www.fctfcu.org. Checks presented to a teller are eligible for overdraft protection from your savings
or a line of credit if applicable, but are not eligible for Courtesy Pay Overdraft Service.
Eligibility is based on you managing your checking account in a responsible manner. There are rules or criteria, that you must meet in order for us to give you the Courtesy Pay Overdraft
Service.
You will not be eligible for the Courtesy Pay Overdraft Service if:
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We do not have a current address on file;
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Your account is classified as dormant;
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Your account is a business or organizational account;
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Your account is an “In Trust For” account;
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Your account has been open for fewer than 90 days;
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You are a minor;
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You are subject to any legal or administrative order, garnishment or levy;
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You are currently a party in a bankruptcy proceeding;
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You are more than 30 days past due on any loan or other obligation to the FCFCU;
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You do not bring your account to a positive balance at least once every 30 days;
Your account has outstanding fees due.
After your Courtesy Pay Overdraft Service has been activated, we have the right to suspend your privilege without any further notice based on these criteria. We also reserve the right to
suspend your Courtesy Pay Overdraft Service if we believe that you are not managing your account in a responsible manner, which may harm you or us. In that case, we may suspend your
Courtesy Pay Overdraft Service even if you meet all criteria listed above, but we will only do so after we give you 7 days notice.
EXCLUSION FROM INITIAL OFFERING: You may be excluded from the initial offering of the Courtesy Pay Overdraft Service if your account has been overdrawn for more than 30 consecutive
days, unless sufficient grounds exist for us to believe that it is prudent to grant you the Courtesy Pay Overdraft Service. We will subsequently review accounts that were not eligible at the
initial activation and grant them the privilege if they become eligible.
Your account agreement describes the duties, obligations, and rights of depositors and authorized signatories between you and the Credit Union with regard to your deposit accounts. That
account agreement is incorporated herein for all purposes as if it were set forth verbatim as to matters not directly addressed by this disclosure. Your account agreement and this disclosure
shall be construed so as to minimize conflicts between them.
The Courtesy Pay Overdraft Service does not constitute an actual or implied agreement between you and the credit union. Nor does it constitute an actual or implied obligation of or by the
credit union. This service represents a purely discretionary courtesy or privilege that the credit union may provide to you from time to time and which may be withdrawn or withheld by us at
any time without prior notice or reason or cause. It is important to be aware of your credit union checking account balance to avoid unwanted Courtesy Pay fees.
Opt Out: An account may be removed from the Courtesy Pay Overdraft Service for members who do not wish to have Courtesy Pay protecting their account from overdrafts. At your request,
your account can be removed from coverage of any future Courtesy Pay overdrafts. Any items clearing the account without Courtesy Pay Overdraft Service and/or sufficient funds will be
returned. A Non-Sufficient Funds fee will be charged. To opt out of Courtesy Pay Overdraft Service, contact us at (518)725-3191 and inform us your wish to be removed from the program.
