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Fact Sheet:
Important Notice About Checking at Tri-Co
Dear Member:
Your Tri-Co checking account has a very convenient feature called Courtesy Pay.
You don't get Courtesy Pay automatically anymore; you must tell us that you want it.
What does Courtesy Pay cover?
It covers you when you have insufficient funds in your checking account because it allows you to continue to use the ATM, your checking account, your Debit MasterCard and automatic bill payments.
Does this help you?
Members tell us time and again how Courtesy Pay has saved them the embarrassment of having their Debit MasterCard rejected at a restaurant or while shopping. They also avoid the inconvenience of having an ATM reject their withdrawal. And it allows them to avoid overdraft charges when they pay a third party with a Tri-Co check or automatic bill pay. Because Tri-Co's Courtesy Pay has them covered - no inconvenience, no embarrassment!
Please tell us!
By law you must tell us if you want to keep this Courtesy Pay protection on your checking account. If you don't and there isn't enough money in your account to cover a transaction, in the future your everyday debit card transactions (as well as checking, automatic deductions (ACH), ATM and Bill Pay) will be denied.
How much does it cost?
With Courtesy Pay, you will pay a $35.00 fee each time your account is overdrawn. We may charge this fee every time you overdraw your account and Tri-Co pays the overdraft.
No Fee to have Courtesy Pay on your account.
No Fee if you never use it.
How do you get Courtesy Pay?
Members with accounts "in good standing" with Tri-Co qualify. The following are your overdraft limits and parameters:
Your Savings or Loan Balance Level |
Overdraft Amount Limit |
$50,00 or more |
$1,000 |
$25,000 - $49,999 |
$750 |
$2,500 - $24,999 |
$500 |
Under $2,499 |
$250 |
The Courtesy Pay program with all of its "peace of mind" is free.
Tri-Co's Courtesy Pay protection can no longer be provided automatically. Keep yourself worry free from Debit MasterCard, Bill Pay, Bounced Check and ATM overdraft embarrassment. Please return the Opt In form on the link below or stop in any branch and tell us you want Courtesy Pay today.
OPT IN/OPT OUT MAIL-IN FORM
Please print out, sign and mail back to Tri-Co:
Tri-Co Federal Credit Union
1240 Sussex Turnpike
Randolph, NJ 07869
or fax to: 973-328-3061
