Foothills Credit Union offers numerous overdraft options to protect you from overdrawing your checking account and overdraft fees. Never bounce a check again, get declined at check out, and insure yourself funds in case of an unexpected expense.

 

AUTOMATIC TRANSFERS

This option enables funds to be transferred directly from other accounts you have with Foothills Credit Union to cover charges on an as needed basis. These accounts can included your Savings or Money Market accounts. There are no overdraft fees for this options. Contact the credit union to set up this option.

Foothills Credit Union offers numerous overdraft options to protect you from overdrawing your checking account and overdraft fees. Never bounce a check again and insure yourself funds in case of an unexpected expense.

 

OVERDRAFT LINE OF CREDIT

This is an unsecured loan that protects your checking account against overdrafts, and you only pay interest on the amount you use. If your checking account is overdrawn, funds are automatically transferred from your overdraft line-of-credit to your checking account to cover the expense, up to your approved credit limit. Apply Today

 
Loan TypeTermLowest RateAPR*
Signature LoanUp to 60 Months9.99%10.02%
Overdraft ProtectionLine of Credit, Varies 16.00%

*APR = Annual Percentage Rate. The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of December 20, 2018 and are subject to change.

Foothills Credit Union offers numerous overdraft options to protect you from overdrawing your checking account and overdraft fees. Never bounce a check again and insure yourself funds in case of an unexpected expense. One option is called Courtesy Pay.

What You Need to Know About Courtesy Pay*

Courtesy Pay is a service that allows us to pay an item presented for payment against your checking account even if it causes the account to become overdrawn. Courtesy Pay provides account holders the ability to overdraw their personal checking account up to $500 (including fees). We authorize Courtesy Pay at our discretion, and this service can be revoked at any time at the discretion of the Credit Union. If we do not authorize and pay an overdraft, your transaction will be declined.

We authorize Courtesy Pay for the following types of transactions:

  • Checks and other transactions made using your checking account number.
  • Automatic Bill Payments (ACH).
  • Online Bill Pay

 

We do not authorize Courtesy Pay for the following types of transactions:

  • ATM transactions.
  • Everyday debit card transactions.

 

What Fees are Associated with Courtesy Pay?

  • We charge a $30 fee for each overdraft/courtesy pay transaction.
  • By agreeing to have overdrafts paid by the Credit Union, you acknowledge that you have the right to revoke or change your election at any time. The change request must be provided in writing.

 

Can the Credit Union Authorize Courtesy Pay on ATM & Everyday Debit Card Transactions?

With Courtesy Pay, checking accounts are automatically opted-in to cover checks, automatic bill payments (ACH), and electronic bill payments, but action is required by the member to opt-in to extend Courtesy Pay to debit card transactions and ATM withdrawals. If you wish to authorize the Credit Union to pay everyday debit and ATM transactions, you must tell us you want to opt-in. If you do not opt-in, the Credit Union may decline your transaction when you use your debit card for payment and/or ATM transactions if you do not have sufficient funds to cover the transaction.

If you want us to authorize and pay overdrafts on debit card and ATM transactions, you must complete a Courtesy Pay Opt-In form. You can also opt-in by calling us at 720.962.8200 to request the form, or completing a form at any Foothills Credit Union branch.

*Courtesy Pay has a maximum limit of $500.00. Members cannot remain overdrawn for more than 45 days. On the 46th day the credit union will begin collection procedures. Members will be alerted of fees charged for covering overdrafts. For more information about Courtesy Pay and to opt-in to this product please contact the credit union.