Courtesy Pay
Understanding Courtesy Pay
Courtesy Pay is a discretionary overdraft service available on eligible checking accounts. It can help cover transactions—like checks, ACH payments, recurring debit items, and everyday debit card or ATM transactions—when your account balance falls below zero, up to an established limit.
Courtesy Pay is designed to provide added flexibility when you need it, but it’s important to remember that approval of any transaction is not guaranteed.
Important Update
to Courtesy Pay
Effective July 1, 2026
Courtesy Pay will be available on one checking account per primary member, based on Social Security Number.
If you currently have Courtesy Pay on more than one checking account, your oldest eligible checking account will automatically retain the service unless you choose a different account before the effective date.
What This Means for You
If you have Courtesy Pay on one account, no action is needed. Nothing is changing for you.
If you have Courtesy Pay on multiple accounts
You have the opportunity to choose which checking account will keep Courtesy Pay.
- Make your selection by June 30, 2026
- If no selection is made, the oldest eligible checking account will automatically retain the service
Why This Change is Being Made
By focusing Courtesy Pay on one designated account, we can:
- Maintain consistency across accounts
- Strengthen account security
- Continue providing the same level of convenience you expect
What's Staying the Same
There are no changes to how Courtesy Pay works today:
- A fee per transaction applies when Courtesy Pay is used (up to 4 fees per day for personal accounts)
- Business accounts do not have a daily fee cap
- Members are responsible for repaying any overdraft balance and fees promptly
- Courtesy Pay remains optional; you may opt out at any time
How To Choose Your Account
If you’d like to designate a specific checking account for Courtesy Pay, you can make your selection in the way that’s most convenient for you:
- Call: 877-4PENAIR
- Schedule: A virtual appointment
- Visit: Any PenAir branch
Courtesy Pay can be updated by any authorized owner on the account. For business accounts, any authorized signer may make changes.
Need a little more information?
Maybe you’ll find what you’re looking for here.
Members who currently have Courtesy Pay on more than one checking account.
The oldest eligible checking account on file will automatically retain Courtesy Pay.
Yes. You can update your Courtesy Pay preference at any time by contacting us.
No. All existing fees, limits, and terms remain the same.
Yes. Courtesy Pay is optional and can be removed at any time.