Courtesy Pay

With everything going on in life, it’s easy to lose track of small details. We understand. Life happens. That’s why we’re proud to offer Courtesy Pay, a convenient benefit that can make it easier to weather life’s unexpected storms.   Courtesy Pay is non-contractual overdraft protection service that we offer to our members with eligible share draft accounts in good standing.  If your account is in good standing, Courtesy Pay protection is automatically added to your account for checks, automatic bill payments and other debit transactions. In addition, you can add this coverage to your debit card to avoid the frustration of a declined debit card purchase. Here’s the best part. It’s super simple to add the coverage and there’s no cost to enroll. You only pay when you use the protection.

Don’t let an overdraft ruin your day. Call us or stop by the credit union and ask to have Courtesy Pay coverage added to your debit card.


Courtesy Pay is a service whereby we may honor your insufficient transactions up to your limit of $500.

We typically do not pay overdrafts if your account is not in good standing, which may include:

  • (A) failure to make deposits consistent with your past practices;
  • (B) You are in default on any loan obligation to Thrive Credit Union;
  • (C) You do not bring your account to a positive balance (not overdrawn) for a full business day at least once every thirty (30) days; or
  • (D) Your account is the subject of any legal or administrative order or levy.

The amount of any overdrafts plus our $27.00 overdraft/Non-Sufficient Funds (NSF) fee shall be due and payable upon demand. We have the discretion to authorize and pay overdrafts for checks, automatic bill payments and recurring debit transactions made using your account number unless you opt out for overdraft coverage on these types of transactions.  We do not authorize and pay overdrafts for ATM withdrawals or everyday debit card purchases unless you consent (opt-in) to overdraft coverage for these types of transactions.