1 Courtesy Pay Our standard overdraft services, known as Courtesy Pay, allow us to pay a check, automatic bill payment, or ACH transaction drawn on your personal checking account, even if the transaction exceeds your available balance. If you are eligible for Courtesy Pay, you can overdraw your account up to $1,200. You must opt-in to Courtesy Pay, and we charge a fee for each Courtesy Pay transaction. In order to be eligible for this service, you must be eighteen years or older and your account (1) must be in good standing, as defined below, (2) must have been open for at least 45 days, (3) must have a positive balance at the time you opt-in to Courtesy Pay and at the time Courtesy Pay is activated, and (4) must not receive Social Security or other protected benefits that you do not want applied to repay an overdraft. An account in good standing (1) must not have any garnishments, levies, or other legal orders, and (2) must have a positive available balance overnight at least once every 35 days. If the available balance in an account remains negative for 45 days, we will close the account. Courtesy Pay is only available for one account per member. We reserve the right to revoke Courtesy Pay without notice to you if (1) there has been a forgery or fraud reported or committed involving your accounts, (2) any checks or drafts on your accounts are lost or stolen, (3) there has been any misrepresentation or any other abuse or misuse of any of your accounts, (4) you have demonstrated conduct which is abusive in nature or (5) as outlined in any policy we have adopted regarding restricting services.
⋅ If you meet these eligibility requirements, you may opt-in to Courtesy Pay using the Overdraft Services Consent form. If you opt-in to Courtesy Pay, we may, at our discretion, pay a check, automatic bill payment, or ACH transaction that exceeds your available balance. We do not authorize and pay overdrafts for ATM transactions and one-time debit card transactions unless you specifically ask us to do so on the Overdraft Services Consent Form.
⋅ For each overdraft transaction that we authorize and pay, we will charge a Courtesy Pay Fee, as shown in the Fee Schedule. The fee will be charged to the overdrawn account and will further decrease the available balance in your account. You may overdraw the available balance in your account up to $1,200.
⋅ We pay all overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. When we choose not to pay a check, automatic bill payment, or ACH transaction that exceeds your available balance, we will still charge either an Insufficient Funds Fee or an Uncollected Fee, as shown in the Fee Schedule and described in the Membership and Account Agreement. For any one transaction, you will either be charged a Courtesy Pay Fee, an Insufficient Funds Fee, or an Uncollected Fee, but not more than one of these.
⋅ Courtesy Pay is a Registered Trademark of BANCServices Group, Inc.
2 Overdraft Options We offer two products, Overdraft Protection, and Courtesy Pay, to help you avoid a returned check or declined transaction in the event that your transactions exceed the available balance in your account. For an explanation of how your available balance is calculated, see Understanding Your Account Balance in the Membership and Account Agreement. Overdraft Protection and Courtesy Pay both require your consent.
⋅ If you elect to add Overdraft Protection to your account, this service allows you to designate an account (the “designated account”) in your name from which funds will be transferred in order to cover any transaction that exceeds the available balance of your checking account. Term accounts and Individual Retirement Accounts (IRA) are not eligible for use as designated accounts for Overdraft Protection. The amount transferred to your checking account by Overdraft Protection cannot exceed the available balance of the designated account from which funds are transferred. There is no fee for using Overdraft Protection. For more information about this service or to add this service to your account, visit a branch or call 405-235-3030.
⋅ If you opt-in to Courtesy Pay, also called Standard Overdraft Services, this service allows us to pay a check, automatic bill payment, or ACH transaction, even if the transaction exceeds your available balance. We do not authorize and pay overdrafts for ATM transactions and one-time debit card transactions unless you ask us to. For more information about Courtesy Pay, see the section below titled Courtesy Pay. To opt-in to Courtesy Pay or to authorize us to pay overdrafts on your ATM and one-time debit card transactions, see the Overdraft Services Consent form.
⋅ If you elect to add Overdraft Protection and opt-in to Courtesy Pay, we will use Overdraft Protection, if possible, rather than Courtesy Pay when transactions exceed the available balance in your checking account. If the amount of a transaction exceeds the available balance in the account you designated for Overdraft Protection, then we may use Courtesy Pay.
Both Overdraft Protection and Courtesy Pay are privileges that offer flexibility and peace of mind, knowing that your transactions may be covered. However, Courtesy Pay may be expensive. Overdraft Protection may be more suitable for your needs.
3 Ultimate and Ultimate w/BaZing Accounts APY = Annual Percentage Yield. Subject to the terms and conditions detailed in the Guide to Benefits. Qualifications to earn a higher interest rate are as follows: enroll in e-Statements, 20 or more debit card swipes per month, and receive a monthly deposit of $250 or more. Earn a higher APY on account balances up to $35,000.
4 BaZing Account Specific Details/Disclosures BaZing Monthly fee, $6.95/month. Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY. Billshark requires additional activation to begin.
+ Kasasa See https://www.weokie.org/accounts/kasasa for more information.
* Checking Account Promo IMPORTANT INFORMATION: Ultimate with BaZing Checking is $6.95 per month. Offer ends 7/31/25. Membership eligibility is required. The application is subject to approval & further review. Only Ultimate with BaZing accounts are eligible for a $200 bonus offer. Commercial Checking Accounts are not eligible. WEOKIE Employees are not eligible. To receive the bonus, the account holder must make twenty (20) qualifying WEOKIE debit card point of sale (POS) transactions that need to be posted to the new Ultimate with BaZing checking account within 45 days of account opening (via a POS device in-store or an online transaction). ATM transactions and Authorization Holds do not qualify. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Bonus will be posted to the account the first business day after the 45-day criteria are met (Contract Date + 45 calendar days). The account must be opened and active by 7/31/25 and must not be closed or restricted at the time of payout. The final bonus payout will occur on or around 9/15/25. Ask for details. Information and APYs (Annual Percentage Yield) is accurate as of 1/6/25 and may change without notice. Balances up to $35,000.00 receive an APY of 3.00%, and balances over $35,000.00 earn .10% APY . Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. A minimum deposit of $20 is required to open the Ultimate with BaZing Checking account. No minimum balance is required to obtain the bonus. Each individual or organization is restricted to a single checking bonus offer. Those who have obtained a bonus for opening a WEOKIE checking account in the past 36 months are ineligible for this promotion. Federally Insured by NCUA.
** Paper Statement Fee:Avoid $2 paper statement fee by opting for paperless e-Statements online.
