With Courtesy Pay, SMCU Has You Covered.
In today’s fast-paced world, juggling the many responsibilities of everyday life can pose a challenge. Tasks as simple as making a deposit or balancing a checkbook can easily be forgotten. That’s why SMCU offers Courtesy Pay—a step beyond overdraft protection.
Our Courtesy Pay program is offered automatically to you to protect you from accidental overdrafts on your checking account. If there isn’t enough money in your account, we will cover the amount of your transaction for a low fee. You may elect to decline courtesy pay coverage by calling the Contact Center.
Get Two Levels of Protection for Your Account
We offer two Courtesy Pay options, one for checks, bill payments, and electronic payments and an additional level for your everyday Debit Card and ATM Transactions. The first option is automatically included with your account. For the second option (ATM & Debit Card transactions), according to federal regulations, you must elect to receive this second level of coverage. We recommend that you elect to receive this addtional coverage to protect your account. This additional coverage is provided to you at no additional cost, until you have to use it due to an accidental overdraft from Debit Card or ATM transaction.
To receive additional coverage for your ATM & Debit Card transactions, please call us at (650) 363-1725.
Member must be at least 18 years of age. Account must be in good standing. See our current Cost Recovery Schedule for more information.