Why Join
We are committed to making sure members are on the financial path that works best for them and their situation.
What are overdrafts?
An overdraft happens when you spend more money than you have in your bank account.
Overdraft Features
Put these flexible features to work and take the headache out of overdrafts!
Courtesy Pay
You're covered when the unexpected happens:
- No overdraft fees with a $100 safety net - Drop up to $100 below zero with no overdraft fees! Qualifying account and direct deposit required.*
- $500 overdraft limit ($200 for Fresh Start checking)
- $24 fee per transaction if you exceed the safety net amount.
Overdraft Protection
Link a backup account to your checking for peace of mind:
- Savings or Checking Account: Automatically transfer funds from a designated account to cover charges.
- Line of Credit: Use your approved credit line to cover overdrafts.
Alerts
Need help keeping track of your money? A good strategy is to set an alert that notifies when your account drops below a certain point.
- Take control by setting up your own custom alerts in the mobile app or online banking.**
- Get unlimited notifications based on rules that you set.
Option 1: Courtesy Pay
With Courtesy Pay, you have the flexibility to temporarily drop below zero on your checking account. Plus, stay fee-free as long as you stay within the safety net amount!
- $100 safety net (with qualifying direct deposit).
- $10 safety net (without qualifying direct deposit).
- Fresh Start checking is limited to a $10 safety net.
- $24 standard fee per transaction if your account balance exceeds the safety net amount.
How long do I have to pay it back?
You must repay all overdraft amounts and bring your available balance positive within 30 calendar days. If the available balance in your checking account remains negative for 45 consecutive calendar days, the account will be closed.
How much can I overdraft?
With Courtesy Pay, there is an overdraft limit of $500 below zero. For Fresh Start checking, the limit is $200.
How do I turn on Courtesy Pay?
For those 18 or older, after six months of membership in good standing, you automatically unlock Courtesy Pay which covers checks, ACH, and other transactions. To extend coverage to everyday ATM and debit card transactions, you can manually turn on this category in mobile or online banking.
You can opt in or out of each Courtesy Pay category below:
- Checks, ACH and recurring transactions
- ATM and everyday debit transactions.
Option 2: Overdraft Protection
Enjoy peace of mind with our Overdraft Protection Plan. Simply opt in to turn it on. Link a backup account to your checking to help cover overdrafts—with no transfer fees.
How It Works:
- Link a Savings, Checking Account or Approved Line of Credit: Funds automatically transfer from your designated account when your checking balance would become overdrawn.
- No Transfer Fees: Overdraft Protection transfers are free of charge.
- If Funds Aren’t Available: If Courtesy Pay is enabled, enjoy the benefits listed above in Option 1! Otherwise, transactions are declined.
How does the Courtesy pay safety net work?
Our safety net is like a cushion that protects you from overdraft fees as long as you stay within it's bounds.
Example: Sarah is a TTCU member with Free checking and is opted in to Courtesy Pay. She has a qualifying direct deposit set up, this means she has a $100 safety net.
Her account balance is $50, and today, she makes a last-minute $125 purchase for groceries. Her account now reads –$75. And, she has incurred no overdraft fees. Yay for flexibility!
To better understand when a Courtesy Pay fee applies see the example below:
Example: Robert is a TTCU member with Free checking and is opted in to Courtesy Pay. He does not have a qualifying direct deposit set up so his safety net is $10.
With his account balance at $15, he makes a purchase of $50. Because is account balance drops to –$35, he exceeds his safety net and incurs the $24 standard Courtesy Pay fee. His account balance is now at –$59. He has the ability to complete his purchase but could benefit by setting up a direct deposit to increase his safety net threshold.
You may be interested in
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Free
Free Checking DetailsOur Free Checking account has no hidden fees, free ATM access, a Visa® Debit Card and includes overdraft protection.
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Classic
Classic Checking DetailsMaintain a $250 minimum balance and earn monthly dividends with our Classic Checking account.
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Fresh Start
Fresh Start Checking DetailsOur Fresh Start account is designed to help those who have had trouble managing their accounts in the past and desire a fresh start.
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TTCU simplified my life.
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Helping others is what TTCU does best!
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TTCU gave me a chance.
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TTCU treats me like a person, not just a bank account.
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Thank you for all you do for your members
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Service is always 1st class from start to finish!
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TTCU rises above the rest.
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TTCU made it easy for us to buy our dream home.
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I'm glad I chose TTCU.
Sherri S.
*Courtesy Pay applies when we pay transactions that exceed the available balance in your checking account. We do not pay overdrafts for ATM and everyday debit card transactions unless you have affirmatively consented to the service (Courtesy Pay Plus). A $24.00 fee may be imposed on each transaction submitted and paid that exceeds your available account balance. We do not charge a fee for a transaction if it creates a negative available balance of less than: $10; or $100, if you have a Qualifying Account and Qualifying Direct Deposit. Any negative balance must be repaid within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. Please refer to the Membership and Account Agreement and the Courtesy Pay and Overdraft Transfer Protection Agreements at ttcu.com for full details.
**Message and data fees may apply from your wireless carrier.