Courtesy Pay

Courtesy Pay Limits Up To $1,200

Most of us have found ourselves facing an occasional cash crunch at one time or another, be it the result of a simple math error or an unexpected expense. That’s why WEOKIE is pleased to offer Courtesy Pay – a convenient benefit that can make it easier to weather life’s unexpected storms.

 

What is Courtesy Pay? 

• Courtesy Pay is a noncontractual overdraft protection service that we may offer to our members with eligible share draft (checking) accounts. As long as you maintain your account in good standing, we may cover insufficient fund items up to the $1200 Courtesy Pay limit. We will charge a $15 NSF Fee per occurrence, the lowest in Oklahoma, and send you a notice when an overdraft occurs. You are required to bring your account to a positive balance within 45 days.

How can I add Courtesy Pay for my checks, automatic bill payments, and other recurring debit transactions?

• You can easily enroll in one of the following ways:
  • Call us at 405-235-3030 or 800-678-5363.
  • Contact us through the messaging feature of Online or Mobile banking
  • Submit this Online Request Form
    
    

How does Courtesy Pay work?

• With Courtesy Pay, if we receive an item that causes the balance in your account to go below zero, as a courtesy, we may pay the item up to your $1200; including the $15 Courtesy Pay/NSF fee.

Are other overdraft protection options available?

• Yes, we also offer overdraft protection through a link to your savings account. To learn more, contact us at 405-235-3030 or 800-678-5363.

Is there a charge for Courtesy Pay?

• There are no fees to have the service available on your account. If you use Courtesy Pay you will be charged a $15 fee for each insufficient item as described in this Courtesy Pay Policy.  The charges associated with Courtesy Pay are also listed in the Schedule of Fees & Charges. 

How can I  avoid overdraft fees?

• Check your available balance regularly. It is available on our Mobile App, in Online Banking, via telephone, at any WEOKIE or ATM Zone ATM location, or by contacting us at 405-235-3030 or 800-678-5363
• Keep track of automatic payments such as utilities, car insurance, or loan payments.
• Review your statement.
• Do not rely on check clearing time. In today’s banking environment, many transactions clear in less than 24 hours, and some clear the same day they are initiated.
• Set up account alerts online or through the mobile application to receive updates about any of your WEOKIE accounts.