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Courtesy Pay

We're here with your safety net

Mistakes happen. We've got your back. 

In life, there are oversights and unexpected expenses. We've all been there. When they catch you off guard and you overdraw your account, Courtesy Pay kicks in to cover written checks and some other transactions on your checking account. It's a great way to avoid costly non-sufficient funds fees and returned items. There's no charge to have Courtesy Pay available with your account. Just activate direct deposit and you're eligible

  • A $35 fee applies each time you use this service
  • Once an overdraft has occurred, you'll need to bring your account to a positive balance within 30 days
  • Payments are made at our discretion on accounts in good standing
  • Consider our Overdraft Protection options, too 

Helpful Hint: Please keep in mind, Courtesy Pay does not cover ATM or debit card transactions unless you authorize us to do so. Your Complete Checking Account must be set up with Courtesy Pay in order to leverage this benefit.


Courtesy Pay is a standard overdraft service that acts as an extra line of defense against returned and/or denied transactions. Courtesy Pay offers coverage for checks and ACH debits (automatic payments or deductions). It also can potentially cover recurring debit card transactions, one-time POS Debit Card purchases and ATM withdrawals. Courtesy Pay is designed to save you from the hassle of dealing with returned and/or denied transactions and the fees that come along with them.

Envision Credit Union is a full-service financial institution with branches in Florida and Georgia.


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