*Must apply and be approved. Requires direct deposit to checking account.
**Dividends are set the last month of each quarter by the Board of Directors.
Overdraft Courtesy Pay
When items try to clear an account with insufficient funds, Overdraft Courtesy Pay will pay each item up to the overdraft limit. Should you use Overdraft Courtesy Pay, the item will be paid and your account will be charged a fee for each item. This is the same fee we charge for insufficient-fund checks that are returned unpaid (See Rate & Fee Schedule). Overdraft Courtesy Pay Privilege is not a line of credit. If you have overdraft protection already set up to come from another account or from a line of credit loan, these services will be accessed before the Overdraft Courtesy Pay is used. If you do not have these overdraft protection alternatives or there is not enough funds available in them to cover the item, the Overdraft Courtesy Pay will normally cover your overdraft (including the fee for each item) up to $400, and your account will show a negative balance. If the amount exceeds $400, the item will be returned unpaid, and an insufficient funds fee will be charged to your account. You must bring your account to a positive balance at least once every 30-day period.