Courtesy Pay Program Disclosure

Courtesy Pay Program Disclosure

Courtesy Pay allows you to obtain an overdraft limit on your checking, money market or savings account. An overdraft limit is the maximum dollar amount for which we will strive to pay items that overdraw your account. Any overdrafts that exceed your overdraft limit may not be paid by us. Any items that are presented that exceed your overdraft limit may be declined or returned. We have implemented an automated system that performs a continual evaluation of all accounts to determine an overdraft limit based on algorithms, or a set of rules, that weigh numerous factors and account holder behaviors including an account holder’s usage patterns or relationship with us to assess an account holder’s ability to repay an overdrawn balance. As a result of these dynamic overdraft limits, for eligible checking accounts, here are some features you will experience:

• Your overdraft limit may change as frequently as daily.

• Your overdraft limit may be reduced to $0.

Click below on the Courtesy Pay Disclosure button for more information.

Courtesy Pay Program Disclosure2025.07-Courtesy-Pay-and-Courtesy-Pay-PLUS.pdf