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What Is Courtesy Pay?
How Does Courtesy Pay Work?
What If I Already Have Overdraft Protection?
Do I Have To Apply For This Service?
Call Us For More Information


What is Courtesy Pay?
Courtesy Pay is a new service that adds a measure of protection to your personal checking account. Courtesy Pay may cover your insufficient funds checks, up to your approved limit, for one low fee per covered overdraft trans-action. That means, instead of returning a check to the merchant because of insufficient funds, the credit union may pay your check, saving you additional charges from the merchant collection companies, in addition to the credit union's insufficient fund fee. It saves you the embarrassment an inadvertent overdrawn check can cause. It also helps protect your credit rating.

How Does Courtesy Pay Work?
Overdrafts on your checking account, up to a limit of $500 [including the amount of the overdrawn item(s) and the Courtesy Pay fee(s)] (up to $200 on Student Checking Accounts) may be honored by Community Financial Credit Union. A fee will be assessed for each item that draws your account negative (see the current Fee Schedule). You then have up to 20 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at one of our branch offices.

What if I already have overdraft protection?
If you have established other overdraft protection methods, such as an automatic transfer from your other accounts, we will always look to pay any overdraft by those methods first before paying your overdraft utilizing Courtesy Pay and imposing a fee for each overdraft we pay (see the current Fee Schedule).

Do I have to apply for this service?
No. We require no applications or additional signatures. As long as you are a member in good standing which includes having an account with us, you make regular deposits to that account, bring your account back to a positive balance regularly, and there are no legal orders against the account, your Courtesy Pay privilege remains activated.

Courtesy Pay is a way for us to provide a higher level of service to our members by helping protect your account and reputation when an inadvertent overdraft occurs.

Call us for more information
We are happy to review Courtesy Pay and its features with you, along with giving you other options to add convenience and ease to your account. Please call us at (417) 862-0471.

Find out about Courtesy Pay today... Because the last thing you want to worry about is a bounced check.



Federal regulations now require you to opt-in if you want overdraft protection services on debit card transactions.

Choose Overdraft Protection on your debit card and we can authorize and pay your debit card purchase even if you do not have the money in your account to cover it. That means that you can avoid the embarrassment and hassle of having your debit card declined at the checkout line. There will be a charge for this service per overdraft incident.

Decline Overdraft Protection and we will not authorize and pay your debit card purchase if you do not have the money in your account to cover it. That means we’ll decline the transaction, you will not receive an overdraft fee, and you’ll be expected to pay with cash or other means or abandon your purchase.

Call, stop by one of our offices, or complete and return the form to make your choice.

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