Courtesy Pay

Courtesy Pay

Courtesy Pay

Relax with our Courtesy Pay Services

In the event you have insufficient funds, we offer the Courtesy Pay service to members who have demonstrated good account management. This service may pay checks and Automated Clearing House (ACH) items that are coming out of the account as payments. If this service is used, a fee will be charged for each transaction paid.

New members were required to Opt in to Courtesy Pay at the time of account opening. If you are unsure if you are enrolled or would like to enroll in Courtesy Pay, please complete the Courtesy Opt-in Notice and drop off the form at a local branch office.

Members whose accounts qualify for Magnify's Courtesy Pay will be notified by mail.


Magnify's Courtesy Pay is offered at the discretion of the Credit Union and may be revoked at any time. Account must meet credit union criteria for the Courtesy Pay service. If your account is not in good standing, we reserve the right to use our discretion in paying your overdrafts from checks, ACH, Internet Bill Pay or in-person transactions. There is no fee to enroll, and no fee will be charged unless you use the service and the transaction results in a negative balance. Refer to the current Fee Schedule. Magnify's Debit/ATM Card Courtesy Pay and other Courtesy Pay features may be revoked, changed, or discontinued at any time without prior notification. You may opt out of this entire service or opt out of parts of this service at any time. For full details, refer to Magnify's Courtesy Pay Disclosure.

Magnify Credit Union Debit Card Courtesy pay

Picture a last minute situation where you must use your Debit/ATM Card — but you don't have enough money in your account. Or imagine your card getting declined in front of your friends at an important event. Magnify Credit Union can prevent those embarrassing moments with our Magnify Credit Union Debit/ATM Card Courtesy Pay.


This service was designed to help you in an emergency or avoid embarrassment when you don't have enough funds to cover your purchases.


With this service, Magnify Credit Union may authorize your PIN and signature-based Debit Card purchase transactions, even when there isn't enough money in your checking account to cover them. Plus, it's free to enroll and we will not charge a fee unless you use the service and the transaction results in a negative balance. (See Fee Schedule).


This service is in addition to Magnify's other Courtesy Pay features, which you may already have to pay for overdrafts from checks, ACH withdrawals and in person withdrawals.


Not sure if you're enrolled or want to enroll? Please complete the Courtesy Pay Opt-In Notice and drop off the form at a local branch office.


Please note: For members who choose to participate in Magnify's Debit/ATM Card Courtesy Pay and already have Magnify's Courtesy Pay's other features, the total amount of Courtesy Pay is the combined overdraft limit for all Courtesy Pay features. If you have other overdraft protection plans in place, those plans will be utilized prior to Magnify's Courtesy Pay. For full details, refer to Magnify's Courtesy Pay Disclosure.