At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your share draft/checking account. At SFPCU, we do not encourage overdrafts. As always,we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned.
The addition of Courtesy Advance to your SFPCU Checking Account will pay your checks, ATM and point-of-sale transactions up to your established limit if your account inadvertently becomes overdrawn.
Courtesy Advance will:
- Provide you with a safety net up that may protect you if you overdraw your account.
- Save you the unnecessary embarrassment (and additional charges) associated with having a check returned.
There are no fees imposed for Courtesy Advance unless the service is actually used. When we clear a check or other funds for more than the balance you have in your account, you will be charged our Courtesy Advance overdraft fee of $25.00. We will also notify you if an overdraft occurs. To help you manage your account, the total fees you have paid for Courtesy Advance items during the current month and year-to-date will be reflected on your monthly Checking statement.
Checks and automatic electronic payments are already covered for you; for your debit and ATM transactions to be covered you must submit a request to us via one of the following methods:
Here at SF Police Credit Union, we believe Courtesy Advance is one more way to show you how much we appreciate your continued support of our Credit Union.
LIMITATIONS: Courtesy Advance™ is a non-contractual courtesy that is available to individually/jointly owned accounts, with members over the age of 18, in good standing. SFPCU reserves the right to limit participation to one account per household and to discontinue this service without prior notice.