BrightStar Credit Union Courtesy Pay

BrightStar Credit Union Courtesy Pay

With Courtesy Pay, items such as checks, ATM/debit card transactions and automatic drafts may clear your checking account—even if you don’t have enough funds when the items clear.

The Convenience of Courtesy Pay

This is a great convenience for thousands of BrightStar members—helping you avoid the embarrassment of insufficient funds when you’re making a purchase—and helping you when you need cash from an ATM in an emergency.

The Enrollment Process

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.

Courtesy Pay service overdrafts your checking account (“Account”) to pay check, ATM/Visa check/debit card, ACH debit, and other transactions presented for payment from your Account which would otherwise be rejected and returned unpaid due to insufficient funds or uncollected balance. To pay these items, your Account will be overdrawn (taken into the negative). In order to qualify for Courtesy Pay, a member must have: a) a checking account for at least 30 days; b) be at least 18 years of age; c) be no more than 11 days past due on any Credit Union loans. 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. A notice will be mailed to you for each transaction or set of transactions which overdraft your account. Courtesy Pay fees will be posted automatically to your Account at the time overdraft transactions are paid. Notwithstanding anything else in this document to the contrary, the Credit Union has no duty to pay any check or other transaction which could otherwise be rejected and returned unpaid due to insufficient funds or uncollected balance and may reject any such check or transaction in the Credit Union’s sole discretion without notice to you. Courtesy Pay service will automatically be activated on your account for checks and ACH transactions, subject to the above terms and conditions and upon qualifications of the criteria mentioned above. You have the right to affirmatively consent, or opt into payment of overdrafts for ATM and one-time debit card transactions. Without your written consent, payment of ATM and everyday debit card transactions will not be made by the Credit Union. Courtesy Pay service may be cancelled by contacting us at 800-637-BSCU (2728).

Quick Links

Frequently Asked Questions

When you open a BrightStar CU account, you become a member. Your membership is your passport to a whole world of Credit Union services. Join for as little as $1. Once you’re a member, you’re eligible to apply for other accounts-including checking, loans, credit cards, and more. We offer 3 convenient ways to join:

  • Submit an application online
  • Complete a PDF application online, then mail it
  • Visit your nearest BrightStar CU branch location

Anyone who lives, works or goes to school in Broward, Collier, Lee, Martin, Miami-Dade, Palm Beach OR St. Lucie Counties, Florida. BrightStar CU serves Broward Schools, as we’ve proudly done for over 70 years. We provide services to local Partner Organizations, which offer BrightStar CU as a benefit to their employees. Family members of the above named groups are also eligible to join.