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COVID-19 UPDATE: MSCU's Danbury and Norwalk branch lobbies are temporarily closed, but their drive-thrus remain open. Our Shelton, Stratford and Watertown branch continue to operate by appointment only, please call us at (800) 761-2400. Members can access and manage all their accounts 24/7 by signing into Digital Banking or by downloading the MSCU Mobile app.


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 or Cash Plus Credit Line you have with Mutual Security Credit Union. 



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

$10 fee per transfer

Overdraft protection with a Cash Plus Credit Line

$10 fee per transfer plus 10% Annual Percentage Rate


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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




ACH - Automatic Debits



Recurring Debit Card Payments



Online Bill Pay Items



Teller Window Transactions



ATM Transactions



Everyday Debit Card Transactions 




Sign Up For Extended Coverage

Please see our Courtesy Pay Disclosure for full details.

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