If an overdraft service isn’t on an account and that account doesn’t have the funds to cover a transaction, that item will not be paid and returned to the vendor as an insufficient funds transaction (an “NSF”). Although you are under no obligation to participate in any overdraft service, it is generally less expensive to use overdraft services to pay for an item than to miss an important payment and incur fees from a transaction being denied and returned NSF.
All programs, rates, terms, and conditions are subject to change, at any time, without notice. Tulsa Federal Credit Union eligibility and membership are required. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.
3Courtesy Pay is a discretionary overdraft service available on eligible checking accounts and is not a right or obligation. Courtesy Pay applies to a variety of transactions including checks and other transactions made using your checking account number, in-person transactions, bill payments, ATM and debit card transactions, and other electronic means. However, we will not include ATM and everyday debit card transactions within Courtesy Pay without first receiving your affirmative consent to do so. Courtesy Pay is
offered in anticipation that you will be making an immediate deposit to bring your account positive. You may opt-out of the service at any time including the optional affirmative consent for ATM and Debit card transactions. We reserve the right to refuse to provide this service at any time or from time to time on any account without notice. Courtesy Pay/Overdraft Fee is $30.00 per item and may be waived for transactions resulting in a negative balance of $5.00 or less.