*Courtesy Pay service overdrafts your checking account (“Account”) to pay checks, ATM/Visa debit card transactions, ACH debits, automatic bill payments including “recurring” debit card transactions and other transactions presented for payment from your Account which would otherwise be rejected and returned unpaid due to an insufficient actual or available balance. To pay these items, your Account will be overdrawn (taken into the negative). In order to be eligible for Courtesy Pay, a member must have: a) a checking account for at least 60 days; b) be at least 18 years of age; c) be no more than 11 days past due on any Credit Union loans. Courtesy Pay service will automatically be activated on your Account for checks, ACH, share draft, and recurring debit card transactions subject to the qualifications of the criteria mentioned in this section. You have the right to affirmatively consent, or opt into payment of overdrafts for ATM and one time debit card transactions. Without your affirmative consent, payment of ATM and everyday debit card transactions that would overdraw your Account will not be paid by the Credit Union. The maximum permitted negative balance may vary. The Credit Union may reject any transaction which would exceed the maximum negative balance. If your Account exceeds the maximum negative balance, the Credit Union may immediately terminate Courtesy Pay service or close your Account without notice to you. All negative balance amounts must be immediately paid to the Credit Union upon demand. If you fail to pay any negative balance amounts upon demand, the Credit Union may immediately terminate Courtesy Pay service and/or close your Account without notice to you. You shall be liable for any negative balance amounts until all such amounts are paid in full to the Credit Union. Courtesy Pay fees will be posted automatically to your Account at the time overdraft transactions are paid. Members with the Educator Interest Checking account are excluded from Courtesy Pay fees. Notwithstanding anything else in this document to the contrary and notwithstanding your eligibility for Courtesy Pay, the Credit Union has no duty to pay any transaction which could otherwise be rejected and returned unpaid due to insufficient actual or available balance or uncollected balance and may reject any such transaction in the Credit Union’s sole discretion without notice to you. Courtesy Pay service may be cancelled by contacting us at 800-637-BSCU (2728).