Courtesy Pay

In today's hectic world, it's easy to lose track of things. That includes exactly how much you have left in your checking account. On those occasions when you spend a little too much, we'll cover the shortfall and make sure your payments go through.

A small mistake shouldn't have major consequences

As your financial champion, MSGCU has your back.

Early credits for payroll deposits

Payroll direct deposits are deposited into your account up to two days early, provided the funds are received from your employer. This gives you early access to funds and helps prevent overdrafts before they occur.

Protection from overdraft consequences with Courtesy Pay

Courtesy Pay is a service members enroll in to protect their checking account if there are not sufficient funds to cover a transaction. It may cover overdrafts from paper checks, ATM transactions and electronic payments.*

Once you have overdrawn your account more than the minimum balance shown below, each over-drafted transaction incurs a fee, up to a daily maximum. But you avoid returned-check fees and reduced credit scores because you can avoid overdrafts being reported to the business involved in the transaction or credit-rating agencies.

For members with $250 or more in monthly direct deposits:

The first $50 overdrawn on your account will be fee free, providing a buffer before a Courtesy Pay fee may be charged.

Maximum of four Courtesy Pay fees assessed per day, providing relief should you have multiple overdrafts on the same day.

MSGCU will provide up to $1,500, including fees, to cover overdrafts.

Members with $250 or more in monthly direct deposits

Members with less than $250 in monthly direct deposits

Courtesy Pay Fee

$20

$30

Maximum Courtesy Pay fees charged per day

Minimum Overdraft Balance before a Courtesy Pay fee is charged

-$50

-$5

Courtesy Pay limit for qualified accounts, including fees

$1,500

$1,000

Learn more about preventing overdraft fees with this 5-minute lesson.

Didn't find what you were looking for? Search more FAQs.

*Overdraft Protection account must meet Credit Union criteria for Courtesy Pay service. You must opt-in separately to authorize ATM and everyday debit transactions. Whether overdrafts will be paid is discretionary, and the Credit Union reserves the right to not pay if the account is not in good standing. A fee of up to $30 may be charged for each check, ATM or debit card transaction or debit by other electronic means when a member has non-sufficient funds in the account. Negative balances must be paid within 16 days. See a Member Service Representative for details.

Review complete program details and opt-in disclosure. Extend Courtesy Pay to ATM and debit card transactions by completing this form and returning it to a Michigan Schools and Government Credit Union branch.

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