Overdraft Protection | NC Courtesy Pay | Coastal Credit Union

Courtesy Pay

Courtesy Pay¹⁰³ is available with Go Green Checking, Basic Checking, and Business Checking.
Check and ACH overdraft transactions are approved.
Limit fees and ensure uninterrupted checking account access when you accidentally overdraw.

Courtesy Pay Plus

Courtesy Pay Plus¹⁰³ is available with Go Green Checking, Basic Checking, and Business Checking.
Check and ACH, plus ATM and debit card overdraft transactions are approved.
Limit fees and ensure uninterrupted checking account access when you accidentally overdraw.
To opt-in to Courtesy Pay Plus, simply log into Digital Banking and send us a Secure Message.

Savings Account Transfer

Your coverage is free of charge.
Use any Coastal savings account and link it to your checking account in Digital Banking or at a branch.
You must have enough funds in your linked savings account to cover the full transaction amount.
Transfer funds from your savings account and deposit them into your checking account.

Personal Line of Credit

A Personal Line of Credit¹⁰⁴ is easy to set up in Digital Banking or at a branch.
Transfer funds from your line-of-credit and deposit them into your checking account.
No per-item overdraft fees.
Used to cover insufficient funds before an overdraft savings transfer is used.