Your Safety Net When You Need It Most
Managing your finances can sometimes be unpredictable, but overdraft protection offers peace of mind when the unexpected happens. At Pathways Financial Credit Union, we’re committed to helping you avoid the stress, embarrassment, and fees that come with insufficient funds.
Without overdraft protection, you risk declined transactions or returned checks when your account balance isn’t enough. With our solutions, your transactions are covered right when you need it, giving you the confidence to move through life without unnecessary financial hiccups.
Debit Card Coverage with Courtesy Pay
Debit Card Coverage with Courtesy Pay provides a reliable safety net for your finances. With Courtesy Pay, everyday purchases, checks, and automatic payments are covered even if your account balance is insufficient, helping you avoid the inconvenience of declined transactions. Additionally, Debit Card Overdraft Protection ensures your Pathways Debit Card transactions are approved when funds are low, offering you peace of mind and uninterrupted access to the things you need.
Overdraft Transfer Service
Link your checking account to another account—like your savings or a secondary checking account. In the event of an overdraft, funds are automatically transferred to cover the transaction. A small transfer fee may apply.
Frequently Asked Questions
Q: What does overdraft protection cost?
A: We charge a low Courtesy Pay fee of $19.00 for each overdraft transaction we cover.
Q: Are there limits to the overdraft coverage?
A: Yes, there is a maximum of five (5) overdraft fees per day. Additionally, we won’t cover everyday debit card transactions unless you’ve opted into Debit Card Overdraft Protection.
Q: Can I combine multiple overdraft options?
A: Absolutely! You can use both the Overdraft Transfer Service and Courtesy Pay for maximum flexibility and protection.
Q: Is overdraft protection automatic, or do I need to enroll?
A: Overdraft protection is not automatic—you’ll need to enroll. It’s quick and easy!
Q: Can I cancel or adjust my coverage later?
A: Of course. You’re in control. Modify or cancel your protection anytime by contacting us.
Ready to Enroll?
Enrolling in overdraft protection is simple and convenient:
Online: Sign up here in just a few minutes.
In-Person: Visit any Pathways branch to get started.
By Mail: Send your completed form to:
Pathways Financial Credit Union
Attn: Compliance Dept.
5665 North Hamilton Road
Columbus, OH 43230
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