Please complete the form below to customize your overdraft service

Courtesy Pay Service

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it for you anyway. We know that people make mistakes, so the occasional overdraft can happen to anybody. That's why it's a good idea to have Alliance Courtesy Pay in place.

We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. Simply ask us about these plans to learn more.
This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to!
  • ATM transactions
  • Everyday debit card transactions
We pay overdrafts at our discretion, which means we may not always cover your shortfall. If we do not authorize and pay an overdraft, your transaction will simply be declined.

What fees will I be charged if Alliance Credit Union pays my overdraft?
Under our standard overdraft practices:

  • We will charge you a fee of up to $25 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

If you have any questions about this form or service please call 636-343-7005 or use our chat feature in the upper right hand corner of our home page.

PLEASE ENTER YOUR MEMBER NUMBER AND CHECK THE BOX NEXT TO EACH SHARE TYPE YOU WANT CUSTOMIZED WITH THE ABOVE OPTION.

Your member number and share types are listed on your statement. The member number is in the upper right corner of each page, just below the statement period. The share types are listed in parenthesis to the right of each account title throughout your statement.


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