Courtesy Pay

All of our members who use our debit cards for purchases or for ATM withdrawals. (* Account must be open for 30 days prior to activation of this service.)

Call us, visit us at your local branch, or contact us through the "Messages" selection in the dropdown menu when you hover over your name within online banking. Important Note: Once approved, a signed authorization form must be completed/returned prior to overdraft services being available. Account must be open for 30 days prior to activation of this service.

An overdraft occurs when you do not have enough money in your account to cover a transaction. We can cover your overdrafts in two different ways:
 

• We have standard overdraft practices that come with your account.
• We also offer overdraft protection plans, such as a link to your savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

We do authorize and pay overdrafts for the following types of transactions:
 

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:
 

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:
 

• We will charge you a fee each time we pay an overdraft, as disclosed in our Fee Schedule.
• There is no limit on the total fees we can charge you for overdrawing your account.

The amount of any overdraft, plus any fees, shall be due and payable within 30 days of the account becoming overdrawn. You are obligated to reimburse Empower by depositing sufficient funds to cover the item or transaction paid and any associated fees. Reimbursement shall be made through direct deposit (including directly deposited Social Security benefit payments), transfer of funds, or regular deposit.