FAQ

Courtesy Pay

1. Once I have Courtesy Pay will all my items be paid and approved?

   Each month we automatically assign a dollar amount to your overdraft limit. If the transaction that is causing you to overdraft falls within your limit we may pay or approve it.

2. How can I get Courtesy Pay Overdraft Protection?

   To make sure debit card transactions go through smoothly stop by a branch, call us, or log on to your online banking and say YES to Courtesy Pay Overdraft Protection. Please refer to our current member product and service rates form for cost associated with Courtesy Pay Overdraft Protection.

3. What is Courtesy Pay Overdraft Protection?

   Courtesy Pay is a service the Credit Union provides to its members to cover you in the rare event you do not have enough available funds in your checking account. It allows us to pay checks, ach and other transactions made using your checking account number. If you have opted in to have your debit card transactions covered, it also allows us to approve your daily purchases made with your debit card in the event you do not have enough available funds to cover the transaction.

4. What if I've made my decision and I change my mind?

   You can change your decision at any time by simply calling us at (877) 895-6840, logging on to your home banking account at www.hrcu.org or stopping by one of our branches.

5. What will happen if I chose not to say yes to Debit Card Courtesy Pay?

   When you are grocery shopping, at a restaurant paying for your food, or at any retail establishment - if you have made a mistake and you do not have enough available funds in your account to cover your purchase you will be declined when your card is swiped.

6. What if I have more questions about this?

   Give us a call toll free at (877) 895-6840, send us an email at info at hrcu dot org or stop in one of our branches - any member of our staff will be happy to answer any of your questions.

7. Is there a charge for this service?

   The charge for this service is $27.00 per occurrence. This is one of the lowest charges in the state of NH! There are no annual or monthly fees to pay - you only see a charge when and if you use the service. We will not impose a service charge for any purchase under $5.00 as long as the balance in your checking account has a positive balance at the time of authorization. If your account is already overdrawn and you authorize a debit card transaction of less than $5, HRCU will impose a $27 fee. We'll be happy to refund the service charge for your first overdraft - just ask us!