Why TruWest

Unexpected expenses happen. Make sure you're covered.

TruCourtesy Pay

We understand that unexpected expenses may occur at inconvenient times. That is why we provide our members with a discretionary TruCourtesy Pay program that allows us to pay your items rather than returning them, should you overdraw your account1.

  • Standard or Complete Coverage
  • Protection from merchant fees
  • Available on eligible checking accounts

Standard vs. Complete Coverage

  • Standard coverage includes checks, ACH pre-authorized debits and online bill payments
  • Complete coverage includes ATM transfers and everyday debit card transactions


Frequently Asked Questions
  • What are the benefits of TruCourtesy Pay (TCP)?

    TCP protects you from fees normally charged by merchants for items returned to them.

  • What is covered by TCP?

    Standard coverage includes checks, ACH pre-authorized debits and online bill payments. Complete coverage includes ATM withdrawals, ATM transfers and everyday debit card transactions, in addition to standard coverage2.

  • How much does TCP cost?
    • Our standard overdraft paid fee is $15 for each negative item we pay.
    • The overdraft fee is waived if the total negative balance is below $20.
    • For consumer accounts, we will only charge up to two TruCourtesy Pay fees per day.

Next Steps

As easy as 1, 2, 3

Make Sure You're Covered

When you open a TruWest checking account, you may automatically be granted standard coverage after a 60-day waiting period. To opt in to complete coverage:

  1. 1

    Log in

    Log in to your online account.
  2. 2


    Under the Online Request Forms menu, access the Opt-in for Debit Overdraft Service form.
  3. 3

    Accept terms

    Confirm your information at the top of the form, and check Yes to accept the Terms and Conditions.
  4. 4


    Fill in any specific questions or instructions, and click Submit Request.

1Must be a TruWest member with minimum $5 membership deposit and continuing balance to open a checking account. Checking account must be in good standing and remain open and properly maintained for 60 days or more to qualify for TruCourtesy Pay. Accounts must be brought to a positive balance within 30 days, or TruCourtesy Pay will be removed. Accounts that exceed the TruCourtesy Pay limit may be withdrawn from program. Discretionary TruCourtesy Pay is not a line of credit and can be withdrawn at any time.
2Balances at an ATM or other points of inquiry will not reflect the TruCourtesy Pay limit.