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HOLIDAY HOURS: MSCU will be closed on Thursday, Nov. 26 through Friday, Nov. 27. Please note, card assistance will be available during this closure by calling 800-761-2400 option 5. Members can access their accounts 24/7 through our ATM network, Digital and Mobile Banking options.

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Overdraft Protection and Courtesy Pay

Overdraft coverage when you need it most.

Overdraft Coverage When You Need It Most

Life happens, and we understand that unexpected overdrafts occur from time-to-time. 

Setting up an overdraft coverage plan can help—simply choose the one that’s right for you.

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Overdraft Protection

Overdraft protection services can help prevent overdrafts by automatically transferring funds to your checking account from another account  you have with Mutual Security Credit Union. 

Service

Cost

Overdraft protection automatic transfer from another account at Mutual Security Credit Union

$10 fee per transfer

 

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Courtesy Pay

Courtesy Pay is a benefit offered to eligible accounts that covers overdrafts up to a fixed limit.  If you already have overdraft protection for your account, Courtesy Pay can act as a secondary coverage option that is only used when the primary overdraft source is exhausted. 

Standard coverage comes automatically with eligible accounts, but you can select Extended Coverage to ensure that your everyday ATM and debit card transactions are covered as well. When used, you will be charged $37.50 per paid transaction, but it costs nothing just to have Courtesy Pay on your account. 

Covered Transactions

Standard Coverage

Extended Coverage

Checks

X

X

ACH - Automatic Debits

X

X

Recurring Debit Card Payments

X

X

Online Bill Pay Items

X

X

Teller Window Transactions

X

X

ATM Transactions

 

X

Everyday Debit Card Transactions 

 

X

 

Sign Up For Extended Coverage

Please see our Courtesy Pay Disclosure for full details.

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