TruCourtesy Pay Program1
When life happens, we’ve got you.
With our TruCourtesy Pay Program, TruWest may cover certain transactions for you if they exceed your available account balance up to $1,000. This allows you to complete crucial payments and purchases for a fee of $15 per transaction we cover.
- TruCourtesy Pay Standard: Includes checks, ACH pre-authorized debits and online bill payments.
- TruCourtesy Pay Everyday Debit (requires opt-in): Includes Standard coverage, plus ATM transfers and everyday debit card transactions.
Overdraft Protection Plan2
Give yourself added peace of mind
An Overdraft Protection Plan lets you connect your accounts to avoid declined or returned transactions:
- Call 1 (855) 878-9378.
- Ask to connect your checking account to your Share Savings, TruWest Visa® credit card or Personal Credit Line.
- Checking overdrafts will be covered by your connected account up to the available balance, for a $2 fee per overdraft.
See our Rate and Fee Schedule for complete consumer fee details.
- What is the difference between the TruCourtesy Pay Program and an Overdraft Protection Plan?
Both are optional services that allow you to overdraw your account if needed. With the TruCourtesy Pay Program, we cover your overdraft for a fee. With an Overdraft Protection Plan, your overdraft is covered with funds from one of your other accounts or lines of credit, also for a fee.
- What are the benefits of the TruCourtesy Pay Plan and an Overdraft Protection Plan?
Our overdraft coverage options can help you to complete crucial transactions or payments when you lack the available funds in your checking account.
- How do I add/remove TruCourtesy Pay coverage?
New checking accounts that are found eligible are automatically opted in to Standard TruCourtesy Pay coverage for checks, ACH pre-authorized debits and online bill payments. You can add Everyday Debit coverage (including ATM transfers and everyday debit card transactions) online or in a branch. Opt out of coverage at any time by calling 1 (855) 878-9378.
- How much does TruCourtesy Pay coverage cost?
Our standard overdraft paid fee is $15 for each negative item we pay. For consumer accounts, we will only charge up to two TruCourtesy Pay fees per processing. The TruCourtesy Pay fee will not be charged on a consumer account if the total negative balance is $20 or less.
- How do I add/remove An Overdraft Protection Plan?
An Overdraft Protection Plan can be added to or removed from your account by calling 1 (855) 878-9378.
1 Must 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 the TruCourtesy Pay Program. Accounts must be brought to a positive balance within 30 days, or TruCourtesy Pay will be removed. Accounts that exceed the TruCourtesy Pay Program limit may be withdrawn from the program. Discretionary TruCourtesy Pay Program is not a line of credit and can be withdrawn at any time. Balances at an ATM or other points of inquiry will not reflect the TruCourtesy Pay Program limit. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, among other reasons. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM withdrawals or transfers, debit card or point of sale transactions will not be covered unless you explicitly opt-in to such coverage. Terms, conditions, and restrictions apply and are subject to change at any time. Please contact us for further information or assistance.
2Must be a TruWest member with minimum $5 membership deposit and continuing balance to open a checking account. Requires a Checking account in good standing. Must contact TruWest Credit Union to obtain an Overdraft Protection Plan. Subject to approval and only available on or with certain accounts. Terms, conditions, and restrictions apply and are subject to change at any time. Please contact us directly for further information.
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