With EFCU Financial's optional Courtesy Pay, rather than automatically returning unpaid any insufficient funds items on your EFCU checking account, we will consider, without obligation on our part, paying your reasonable overdrafts up to your assigned Courtesy Pay limit. This optional service is available on certain types of EFCU Financial checking accounts. You may sign up for this service when you open an eligible checking account.*
Declining Courtesy Pay will not cost you anything. If you use Courtesy Pay (have an insufficient funds transaction), you will be charged our customary fees as set forth in our Member Fee Schedule.