Courtesy Pay Form

APGFCU offers a Standard Courtesy Pay Program and an Extended Courtesy Pay Program:

Standard Courtesy Pay Program – Members who meet the eligibility requirements are automatically enrolled for Courtesy Pay to cover overdraft checks, Automated Clearing House (ACH) transactions, bill payments, recurring debit card payments and other payment transactions (other than one-time or nonrecurring debit card transactions) for which there is not a sufficient available balance in their checking account. Members may unenroll in the Standard Courtesy Pay Program at any time.

Extended Courtesy Pay Program – Members who meet the eligibility requirements are also able to opt-in to elect Extended Courtesy Pay, which will cover one-time or nonrecurring debit card transactions for which there is not a sufficient available balance in their checking account. Members may opt out of this program at any time. Members must be enrolled in the Standard Courtesy Pay Program in order to opt-in to the Extended Courtesy Pay Program.

You are not required to have Courtesy Pay on your checking account and you may opt out at any time. Without Courtesy Pay, you are still subject to Nonsufficient Funds (NSF) Fees on check and ACH transactions, and all NSF items will be returned as unpaid. We do not charge a Nonsufficient Funds Fee if a one-time debit card payment is declined.

To read about the full details of our Overdraft program, please review our All About Your Accounts and Overdraft disclosures on our Disclosures page.

Please complete and submit the form below to request changes to your Standard and/or Extended Courtesy Pay Program enrollment.

By agreeing to have my overdrafts paid by APGFCU, I understand that I have a right to revoke or change my election at any time.

Full Name:

Member Number:

I confirm that I have read and accepted the What You Need to Know About Overdrafts and Overdraft Fees disclosure.

Please identify the change you would like to make to your Courtesy Pay enrollment:
*Please select only one out of the four options.

I am opting OUT of the Extended Courtesy Pay Program and do not wish overdrafts to cover one-time debit card transactions from my checking account, which will instead be declined. [Please note: This is only required if you have previously opted IN to the Extended Courtesy Pay Program.]
I am opting IN to the Extended Courtesy Pay Program to supplement my Standard Courtesy Pay Program, including overdrafts to cover one-time debit card transactions from my checking account.
I am opting OUT of all Courtesy Pay Programs. Overdrafts on all transactions will not be paid and I may incur Non-Sufficient Funds (NSF) Fees on checks, ACH transactions, and other transactions using my checking account (excluding one-time debit transactions).
I am RE-ENROLLING to the Standard Courtesy Pay program [Please note: This is only required if you have previously unenrolled. The Standard Courtesy Pay Program is a benefit for all checking accounts.]

Date:

Checking Account Suffix(es):
To locate your suffix number, review your most recent paper statement or electronic statement through Online Banking.

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