Courtesy Pay
If you need a little help, use your North Coast Courtesy Pay. Opt in when you get your checking account or by completing the Courtesy Pay form listed at the bottom of this page.
Cover Overdrafts Up to 35 Days
We cover overdrafts from:
Checking accounts
In-person withdrawals
Electronic fund transfers
Automatic bill payments
Per-use fee is $25.
Per-use fee is $10 with FREE Smart Benefits.
Opt in or out of Courtesy Pay by using the form below, calling us or by visiting your neighborhood branch.
Additional Courtesy Pay
You may also ask that your Courtesy Pay covers:
ATM transactions
Every day debit card transaction
Opt in or out of Courtesy Pay by using the form below, by calling us or by visiting your neighborhood branch.
When you use Courtesy Pay
Each time you use Courtesy Pay, you agree:
Pay $25 fee for each overdraft (or $10 with FREE Smart Checking Benefits)
Bring your account to a positive balance within 35 days
Save Courtesy Pay Fees
Save on Courtesy Pay fees when you cover overdrafts with a Savings Account or Line of Credit:
Requires linking accounts prior to overdraft
Per-use fee is $5
We pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction.
We reserve the right to revoke or suspend Courtesy Pay Services at any time.
We reserve the right to recapture repayments for overdrafts from any type of funds deposited.