You MUST opt-in to enjoy the benefits of Courtesy Pay effective August 15, 2010

New regulations require that you now have to Opt-in to overdraft coverage for ATM or one-time debit card transactions on your credit union accounts. This means that YOU decide whether you want to participate or not. We WILL NOT authorize and pay overdrafts for ATM transactions and everyday debit card transactions unless you opt-in.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. We DO authorize and pay overdrafts for checks, automatic bill pay and other transactions made using your checking account number.


Our overdraft coverage service, called Courtesy Pay, is a safeguard to protect against unexpected mistakes. It allows the security of knowing if you make a mistake, your transaction will be processed. The transaction will not be returned or denied for insufficient funds, and it saves you from being charged any additional fees by the merchant—if you have opted-in.

Courtesy Pay differs from other overdraft services we offer, such as linking your account to another account with us or having an overdraft line of credit in place.

To opt-in by phone, call 210.673.5610 or 800.227.5328. You can also give us your authorization in person, by US mail or by email to memberservices@airforcefcu.com. You may also opt-out at anytime if you need to.