Courtesy Pay

Opt-in to Courtesy Pay service today!

Get Adobe Acrobat Reader (new window/tab)

What is Courtesy Pay?

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. Courtesy Pay may cover your insufficient funds checks, up to a $500 limit, for one low fee per covered overdraft transaction; saving you additional charges from the merchant collection companies, in addition to Metco’s insufficient fund fee.

How Does Courtesy Pay Work?

Metco may honor 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). A $28 fee will be assessed for each item that draws your account negative.  You then have up to 30 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at our office.

What If I Already Have Overdraft Protection?

If you have established other overdraft protection methods, such as a line of credit or automatic transfer from your other accounts, we will always look to pay any overdraft by those other methods first before paying your overdraft utilizing Courtesy Pay and imposing a $28 fee for each overdraft we pay.

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 for at least 60 days, 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.  However, you do need to opt-in (new window/tab) to this service if you wish to use it.