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As a courtesy to members in good standing, this optional service pays ATM and debit card transactions that would not have otherwise cleared.

It's easy to add this affordable and convenient protection for your debit card transactions. But, SAFE can only authorize and pay overdrafts for ATM and everyday debit card transactions if you choose Courtesy Pay.

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Contact SAFE today to choose Courtesy Pay!

Did you know? 
Choosing Courtesy Pay is quick and easy through Online Banking! Learn about the benefits of free Online Banking and how to enroll.

Good news! You can choose Courtesy Pay right within Online Banking. Just log in to your account and click "User Options" at the top of the page, then click the "Choose Debit Card Courtesy Pay" link.

Learn more about Online Banking.


How does Debit Card Courtesy Pay work?

For overdrafts caused by ATM and everyday debit card transactions, members with smaller overdraft amounts benefit from lower fees.

If your end-of-day account balance is... Your Courtesy Pay fee will be...
Less than $25 negative $2
$25-$50 negative $16
More than $50 negative $28

For example:

If your account balance is... When you make the following debit card purchase(s)... Your new end-of-day balance will be... Your transactions are approved! So, your Courtesy Pay fee will be... But, if you make a deposit to bring your account positive by the end of the day, your fee will be...
$2.00 $4.25 for a latte -$2.75 $2.00 $0.00
$55.25 $100.00 for groceries -$44.75 $16.00 $0.00
$25.50 $56 for gas
$31 for books
$24 for pizza
-$85.50 $28.00 $0.00

Account must meet credit union criteria for Courtesy Pay service. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay if your account is not in good standing. The negative balance must be paid within 20 days. You may opt out of Courtesy Pay through Live Help, by contacting SAFE's Call Center at (916) 979-7233 or (800) SEE-SAFE, by visiting any SAFE branch, or mailing your written revocation to SAFE Credit Union, PO Box 1057, North Highlands, CA 95660-1057.

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