For Lost or Stolen Cards
and PIN Change
Courtesy Pay is a credit union service that pays checks, ach automatic payments and debit card transactions when a checking account is overdrawn. It helps members avoid bounced checks and NSF items.
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdraft by offering the following:
We have standard overdraft practices that come with your account, such as a link to your savings account, which will transfer money if it is available to cover items from your share draft (checking) account.
SEG does not authorize and pay overdrafts for the following types of transactions unless you have chosen to use our Courtesy Pay privileges.
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.