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Courtesy Pay Services

Unexpectedly overdrawn? We’re here to help. Civic's Courtesy Pay¹ lets you make purchases with confidence and avoid the embarrassment of declined transactions.

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Man on his phone checking is Civic account to see that his rent check went through thanks to Courtesy Pay.

Courtesy Pay Basic

Courtesy Pay Basic is an overdraft service that comes with direct deposit and eligible checking accounts as a benefit for qualified members. If you're opted in, there's no cost to you, unless it's activated to cover account shortages.

Stressed young adult couple managing home finances with laptop

Courtesy Pay PLUS

To cover all transaction types — including ATM transactions and everyday debit card transactions — opt in to Courtesy Pay PLUS.

Checkout counter customer pays with Civic debit card for his items at his local grocery store

-6		Courtesy Pay Basic	Courtesy Pay PLUS
-5	Opt in options	Qualified members with Civic Direct Deposit and an eligible checking account are automatically opted in	Members with Courtesy Pay Basic can opt in for additional transaction protections
-4	Overdraft Fee	$19 per transaction	$19 per transaction
-3	Coverage	Covers share drafts/checks, and other transactions made using your checking account; automatic bill payments; or ACH transactions	Covers ATM transactions and every day debit card transactions. ATM and point-of-sale coverage included
-2	Eligibility	Members must: have an eligible Civic checking account be enrolled in direct deposit have no past due loans at Civic have no active bankruptcy or legal hold on account be at least 18 years of age be a Civic member for at least 90 days	Be enrolled in Courtesy Pay Basic
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Opt in today to cover your transactions

Ready to get Courtesy Pay Basic or upgrade to Courtesy Pay PLUS?
Enroll in either service through online banking or in the Civic app or call the Experience Center for assistance at 844-772-4842. You can also visit a Civic branch.

Bonus Checking

This online checking account works hard for you. Get dividends on your balance, access to your direct deposits up to 3 days early, and ATM fees reimbursed.

Earn dividends on your balance every month
No minimum balance requirement
ATM fees reimbursed up to $20 per month
Access direct deposits up to 3 days early

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Direct Deposit

Your paycheck automatically deposited up to 3 days earlier

Increased security
Save time — more convenient, no waiting
Easier financial management and access for paying bills

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Life is digital

So are these everyday financial tools

Civic Credit Union app graphic that displays the budgeting tool available to you as a member.

See your big picture with Civic and non-Civic accounts in one place

Graphic of bills that shows how easy it is to use bill pay.

Pay bills from anywhere or schedule them with the app

Calendar with direct deposit 3 days early.

Your payroll arrives up to 3 days early

Download the app

Get the Civic app² to unlock fast, easy and secure ways to manage your money.

You know the details matter (and you are in good company)

Here are a few FAQs

What’s the difference between Courtesy Pay Basic and Courtesy Pay PLUS?

Courtesy Pay PLUS covers more transaction types, such such as ATM transactions and every day debit card transactions. Courtesy Pay Basic covers share drafts/checks and other transactions made using your checking account, automatic bill payments, and ACH transactions.

Is there a fee to opt in to Courtesy Pay?

While there is no fee to opt in to either Courtesy Pay Basic or Courtesy Pay Plus, there will be a $19 fee for each overdraft occurrence.

How do I sign up for Courtesy Pay PLUS?

You can opt in to Courtesy Pay PLUS through online banking or in the Civic app. Or, if you prefer, call the Experience Center at 844-772-4842, or visit a Civic branch.

How do I opt out of Courtesy Pay Basic or PLUS?

Members who wish to opt out of Courtesy Pay may contact us at 844-772-4842, visit a Civic branch, or send a secure message. There's no charge to remain an eligible user of Courtesy Pay Basic unless it's used to cover an account shortage.

What happens if I can’t pay the amount covered by the Courtesy Pay program?

Contact the Experience Center for details at 844-772-4842 to discuss your options.

View All FAQs

1 Courtesy Pay is available to members in good standing with active direct deposit, an eligible Civic checking account, and at least 90 days of membership. To be in good standing you must not have any bankruptcies or charge-offs of Civic loans or deposit accounts within the past three years, and all accounts must be current. We may pay overdrafts through the Courtesy Pay program at our discretion if you do not have enough money available in your account to cover a transaction. We will charge a $19 fee each time an overdraft occurs. Please refer to the Membership and Account Agreement for a more through explanation of factors that determine when an overdraft occurs, coverage limits, and when you may incur a fee for overdrawing your account. Refer to the Fee Schedule for other fees that may apply or visit civicfcu.org/fees. Courtesy Pay may be added to one account per member. Civic account holders who are 18 years of age or older with consumer checking accounts are eligible.

2 Message and data rates may apply.