Courtesy Pay Services
You can have the peace of mind of knowing that your checks, ATM/CheckCard transactions and/or automatic withdrawals will be honored, despite an overdraft. If a payment is presented to your account and the funds are not available, the payment will be posted and your account will be brought negative.
The cost of Courtesy Pay protection is $30.00 per item, far less than you would pay for most merchants fees. Plus, Courtesy Pay will save you the time, hassle and embarrassment of taking care of an NSF with the merchant.
Recent changes in Federal Legislation (Regulation E) give members additional options regarding overdrafts. Members must give Heartland Credit Union authorization to pay overdrafts for the following types of transactions:
- ATM transactions
- Every Heartland Credit Union Visa© Check Card transaction
If you would like Heartland Credit Union to authorize and pay overdrafts on your ATM and everyday Visa Check Card transactions, please fill out our authorization form or call our phone center. You can return the form by mailing, faxing (217-726-6494), or bring it to one of our four branch locations.
If you have any questions regarding changes in your overdraft privileges, please call our phone center at 217-726-8877.