Questions & Answers About Courtesy Pay

Q: How does Courtesy Pay work?

A: Let’s say there are insufficient funds in your share draft account to cover an item. If your account is maintained in good standing and your Courtesy Pay limit covers that item, it will be paid and a fee will be assessed.

Q: What is my Courtesy Pay limit?

A: Your limit is $500.00, which includes any fee charges.

Q: How soon must I pay the Courtesy Pay balance?

A: Every attempt should be made to bring your account to a positive balance within a few days.

Q: How much does this cost me?

A: There is no monthly service fee, however, the usual insufficient funds fee will be charged for each item.

Q: What types of transactions are covered under this program?

A:

• Share drafts
• Debit card purchases
• ATM transactions
• ACH debits
• DirectPay payments (The available balance displayed may include your available Courtesy Pay limit of $500.00. Please refer to DirectLink to view your actual account balance before issuing payments to avoid Courtesy Pay advances and fees.)
  

Q: How do I know when I’ve used Courtesy Pay?

A: You will receive a notice each time an item is paid.

Q: If I have two (2) Share draft accounts, will they both have a separate Courtesy Pay limit?

A: YES. (However we will reserve the right to restrict this benefit to as few as one (1) per household if circumstances dictate).

Q: Why is this service being offered?

A: Courtesy Pay provides a safety net for your unexpected incidents and oversights. It also eliminates merchant NSF fees and saves you the embarrassment of returned items.

Q: What if I exceed my Courtesy Pay limit?

A: Unfortunately, items exceeding your limit will be returned. An insufficient funds fee will be charged per item. We stress that any overdraft balance created by using Courtesy Pay should be cleared right away to keep your Courtesy Pay limit available at all times.

Q: Can I have Courtesy Pay on my share account also?

A: No. Courtesy Pay is available only to personal Share draft accounts.

Q: Can Courtesy Pay be combined with other Overdraft Protection options?

A: Yes. Any existing overdraft option through a transfer from a share account or an Overdraft Protection Line of Credit will be accessed before Courtesy Pay.

Please read the Courtesy Pay Disclosure for more specifics about the program.

For more information:

1. Call our Member Service Center at (808) 534.4300 (Oahu) or
   toll-free (800) 379.1300 (neighbor islands & mainland)
2. Email us at contactus@hawaiiusafcu.com
3. Visit any of our 10 convenient branches