Courtesy Pay is a service that can help protect your account from insufficient funds causing a charge to be rejected from your account. Once your overdraft protection options have been exhausted, Courtesy Pay can cover items charged to your account for a fee without having it rejected. The amount available for use is evaluated by the credit union based on your account standing. You will need to refund the amount and the fee. Please consult the Schedule of Fees or Agreements and Disclosures for further information.