Exceptional Overdraft Options from MSCU

Who’s Eligible?

MSCU members with a checking account and second MSCU account (such as a savings account).

Service

An automatic transfer of funds from your second MSCU account to your checking account to prevent an overdraft.

When Is It Activated?

When there are insufficient funds to cover a check from your checking account.

Maximum Transfer Amount

The maximum transfer amount is limited to the available funds in your second account.

Cost

Free

Courtesy Pay

Courtesy Pay is available to eligible accounts and covers overdrafts up to a fixed amount. If you already have Overdraft Protection, Courtesy Pay can act as your second level of coverage. It will only be used when the primary overdraft source is exhausted.

Standard Coverage comes automatically with eligible accounts, but you can select Extended Coverage to cover your ATM and debit card transactions. When used, Courtesy Pay will cost $37.50 per paid transaction, but it costs nothing to have Courtesy Pay on your account.

Covered Transactions	Standard Coverage	Extended Coverage
Checks	✔	✔
ACH - Automatic Debits	✔	✔
Recurring Debit Card Payments	✔	✔
Online Bill Pay Items	✔	✔
Teller Window Transactions	✔	✔
ATM Transactions		✔
Everyday Debit Card Transactions		✔
Cost	$37.50 when used to cover a transaction	$37.50 when used to cover a transaction

Overdraft Protection When You Need It

Overdraft Protection

Who’s Eligible?

Service

When Is It Activated?

Maximum Transfer Amount

Cost

Courtesy Pay

If you want to select Courtesy Pay for future transactions, call us at 203.402.7400; visit any branch; or e-mail us at info@mscu.net; or sign up for Extended Coverage.