Courtesy Pay Overdraft Protection

Cover your transactions—even when your balance is low.

Courtesy Pay is an overdraft service that helps your transactions go through when you don’t have enough money in your account. Instead of your debit card being declined or a payment being returned, Courtesy Pay may cover the transaction for you.

That means fewer awkward moments at checkout, fewer interruptions to your automatic payments, and more peace of mind when life doesn’t go exactly as planned.

What Courtesy Pay Covers

With Courtesy Pay, eligible transactions may still be approved, including:

  • Everyday debit card purchases, with your consent
  • Checks and bill payments
  • Automatic or recurring payments

A $19 fee may apply each time an overdraft is paid.

Important to Know

Courtesy Pay is a discretionary service, which means:

  • Not all transactions are guaranteed to be covered
  • Eligibility requirements and limits apply
  • Opting in allows us to consider covering your debit card transactions, but it does not guarantee approval

The Fastest Way to Manage Courtesy Pay

The easiest way to opt in or out of Courtesy Pay is through Online Banking. It’s quick, secure, and updates immediately with no waiting or follow-up required.

Here’s how:

  1. Log in to Online Banking
  2. Click the three dots in the top right corner
  3. Select Courtesy Pay in the left menu
  4. Follow the prompts and accept the terms

Log In to Manage Courtesy Pay 

Alternate Option: Submit a Request

If you’re unable to access Online Banking, you can submit a Courtesy Pay request online.

Submit a Courtesy Pay Request 

Please note:

  • Requests are processed manually and may take additional time
  • Submitting a request does not guarantee eligibility or a Courtesy Pay limit
  • If you’ve already opted in, submitting again will not change your status

Frequently Asked Questions

What does Courtesy Pay cost?
A $19 Courtesy Pay fee may apply each time Pathways pays an overdraft.

Are there limits to overdraft coverage?
Yes. There is a maximum of five overdraft fees per day. Everyday debit card transactions are not covered unless you opt in.

Can I combine multiple overdraft options?
Yes. You may be able to use multiple options, such as Overdraft Transfer Service and Courtesy Pay, for added flexibility.

Is Courtesy Pay automatic?
No. You need to opt in before Pathways can consider covering everyday debit card transactions.

Can I cancel or adjust my coverage later?
Yes. You can update your Courtesy Pay preference anytime through Online Banking or by contacting Pathways.

Other Ways to Enroll

Online Banking is the fastest way to manage Courtesy Pay, but you can also enroll in person or by mail.

  • In Person: Visit any Pathways branch.
  • By Mail: Send your completed form to:

Pathways Financial Credit Union
Attn: Compliance Dept.
5665 North Hamilton Road
Columbus, OH 43230

Bottom Line

If you want the fastest, simplest way to manage Courtesy Pay, Online Banking is your best option.