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                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? 
                • 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.  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 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?

                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 the 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.

                 


                Courtesy Pay Details and Disclosures

                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.

                 


                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.