Mistakes happen. Usually when you overdraw your account, it’s the result of a simple mistake, and can be traced back to one of the following: a deposit that’s still pending, an error in balancing, or a forgotten transaction. At Bellwether we understand this, and that’s why we offer Courtesy Pay, a special service available to eligible members to help out when you accidentally overdraw your account. With Courtesy Pay (or one of our other overdraft options) shortages can be covered, allowing your transaction to be processed as you’ve requested. This benefit covers eligible overdrafts up to $500.00 (including fees), at Bellwether's discretion.*
Courtesy Pay is subject to a fee of $28 per instance (with a $100 per day maximum charge). This is the same per instance fee we charge for non-sufficient funds [NSF], but also provides you with:
- Protection from merchant returned check charges.
- Protection of your credit.
- Protection from the embarrassment of non-sufficient funds and returned checks.
Courtesy Pay will only be extended if you opt-in for each individual account you want covered. You may change your Courtesy Pay option at anytime, opting in or out as you feel appropriate. Simply click this link to set up Courtesy Pay or call 1-866-996-9828 during normal business hours to opt-in or opt-out. Please allow two to three business days for your request to take effect.
Two options for Courtesy Pay
Option #1 - Courtesy Pay for checks & automated clearing house/electronic payments (ACH)
Option #2 - Courtesy Pay for debit card & ATM transactions.
You may select either, or both options, or decline the service all together. Note that if you don’t make a selection, you will automatically be considered to have declined the service.
Other Options for Overdraft Protection
Transferring funds from a Bellwether Savings account
You can set up an automatic transfer from your savings account with Bellwether. If you try to complete a transaction but there aren’t sufficient funds, we’ll draw needed funds from your savings account (including any fees) as available. If you do this and also sign up for Courtesy Pay, we’ll access your savings account first for needed funds before using Courtesy Pay and imposing the Courtesy Pay fee of $28 per transaction.
Accessing funds available from a line of credit
You can apply for a line of credit to be used as Overdraft Protection. We’ll withdraw the funds needed to cover your transaction, from the existing line. Again, if you also have Courtesy Pay, we’ll access the line of credit first before using Courtesy Pay and imposing the Courtesy Pay fee of $28 per transaction. Apply for a line of credit.
Note that each option may have eligibility requirements and may be subject to usage or annual fees. Review Bellwether’s Fee Schedule.
Where can I find complete details and disclosure information about Courtesy Pay?
Disclosure information and details can be found here.
Opt-in to Courtesy Pay Today!
- Sign up online or call us today at 1-866-996-9828
*Courtesy Pay services are at the discretion of Bellwether and opting in is not a guarantee that overdrafts will be covered.
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