Courtesy Pay

Stay Protected - Opt in for Courtesy Pay

Debit and ATM cards are a convenience and it's hard to imagine life without them.  Debit and ATM cards make it easier than ever to make purchases, but, it also makes it easier to overdraw your checking account and possibly incur fees associated wih Courtesy Pay services.  As a result, federal lawmakers have created new rules governing Courtesy Pay programs.   Learn more Opt In details... 

You will be able to choose whether you want to have our Courtesy Pay cover your ATM and everyday debit card transactions.

Why Opt In?


Directions Credit Union Courtesy Pay is designed with your protection and convenience in mind.  Life doesn't always go according to plan, and overdrafts do occasionally occur. Without Courtesy Pay, your ATM and everyday debit card transactions will be declined if you attempt to make a transaction without sufficient funds. 

If you choose NOT to opt in, your ATM and everyday debit card transactions will not be protected under Directions Credit Union Courtesy Pay Program.

How to Opt In?

Complete Opt In form  and email to optin@directionscu.org.  If you have any questions please contact us.

Please note that this opt in rule applies to ATM and everyday debit card transactions.  If you currently have an overdraft loan or savings transfer protection associated with written checks, ACH, or recurring transactions, such as regularly scheduled bill payments, it will not be affected.