Skip to Main Content

Services // Courtesy Pay

Courtesy Pay

Courtesy Pay is a service that adds a measure of protection to your spending/checking account.

What is Courtesy Pay?

Courtesy Pay may cover your transactions when you do not have sufficient funds in your spending/checking account. You will be charged a $20 Courtesy Pay fee each time we pay a transaction that overdraws your account. There is a maximum of three fees per day, per checking account. The account must be funded to a positive balance within 30 days. You will only incur Courtesy Pay fees for covered transactions if your account is overdrawn. That means, instead of declining an automated (ACH) payment, check, onetime or recurring debit card transaction because of insufficient funds, Westerra Credit Union may pay your item, which may save you additional charges from the company you intended to pay.

If you’re set up for automated (ACH) payments or checks, there’s good news. You’re automatically enrolled in Courtesy Pay. Members must Opt-IN to Courtesy Pay for onetime and recurring debit card transactions. 

To qualify for Courtesy Pay, you must be at least 18 years old, have your spending/checking account opened for more than 30 days, and be in good standing with the credit union. These criteria may be changed at any time without notice. Courtesy Pay does not cover transactions through ATMs, in branch, phone banking, Digital Banking transfers or Money Market Account checks.

How Does It Work?

All members are automatically enrolled in Courtesy Pay for automated (ACH) payments or checks. Members must Opt-IN to Courtesy Pay for onetime and recurring debit card transactions.

You Have Options to Choose From

You Have Options to Choose From

Type of Coverage

Checks*

ACH Payments*: Monthly recurring payments, such as your car insurance, etc.

Recurring Debit Card Payments: Monthly subscriptions like Netflix, gym membership, etc.

One-Time Debit Card Transactions: Everyday purchases you make with your debit card

ATM Transactions

Opt-IN

PaidCourtesy Pay Fee Charged

PaidCourtesy Pay Fee Charged

PaidCourtesy Pay Fee Charged

PaidCourtesy Pay Fee Charged

DeclinedNo Fee Charged

Opt-OUT

Not PaidNSF Fee Charged

Not PaidNSF Fee Charged

DeclinedNo Fee Charged

DeclinedNo Fee Charged

DeclinedNo Fee Charged

*Qualified members are automatically enrolled in Opt-IN for ACH and draft checks, but are not automatically enrolled for onetime and recurring debit card transactions.

We’ve made Opting-IN or Opting-OUT easy, and it can be done at any time during your account ownership. Simply use any of the methods below:

Frequently asked questions about WeGotYa (Courtesy Pay)

Check out these tools to help you manage your accounts

Set alerts in Digital Banking

Get free, automatic updates when your account reaches a high/low balance or if transactions over a certain amount hit your account.

Download the CardNav App

Get real-time alerts for every transaction made on your account. You can also set spending limits and turn your card off and on with the tap of a button.

Tap into mobile banking with the Westerra app

It’s never been so quick or so easy to check your balances and stay updated on your account activity.