No application or additional signatures are required. As long as you are an SMCU member-owner in good standing*, you may qualify for Courtesy Pay privileges. If you are eligible, you will receive a letter notifying you of $750 in Courtesy Pay coverage on your account. You will need to complete an Opt-In Form to have your ATM and Visa® Direct Check Card transactions covered.
*You have a share draft/checking account with SMCU for at least 60 days, you make regular deposits to that account, you bring your account to a positive balance whenever necessary, and there are no legal orders against the account.