Overdraft Protection

Avoid embarrassment at the checkout when you opt-in for Expanded Courtesy Pay!

With Expanded Courtesy Pay, Reliant will pay for transactions you’ve made when there aren’t sufficient funds in your account to cover the transactions—including everyday debit card transactions from your checking account. It’s available to members 18 and older who are in good standing. A fee will be charged for each transaction that Reliant covers—but there is no fee to have this service unless you have to use it. You must opt-in for Expanded Courtesy Pay. Use the form below to get started today!

If your account number is fewer than 4 digits, please enter zeroes before (e.g. for an account number of XX, enter 00XX).
I hereby authorize Reliant Community Federal Credit Union to pay overdrafts on my everyday debit card transactions for the checking account(s) listed above. I understand that by clicking the “Submit” button, I am opting-in to Expanded Courtesy Pay. I also understand that I have the right to revoke this consent at any time. If I choose to opt-out of this overdraft coverage I must contact Reliant. I also understand that a fee is charged for each transaction paid through this overdraft service. I understand that Reliant also offers overdraft protection options, such as an overdraft line-of-credit or a transfer from another account, which may be less expensive than Courtesy Pay overdraft practices.
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What fees will I be charged if Reliant pays my Courtesy Pay overdraft?

  • We will charge you a fee of $34 each time we pay an overdraft.
  • There is no limit on the total fees we may charge you for overdrawing your account.
  • We pay overdrafts (up to $534) 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. You may opt-out of Courtesy Pay and/or Expanded Courtesy Pay overdraft privileges at any time.

To authorize and pay overdrafts on everyday check card(debit card) transactions, use one of the following convenient options:

  • Complete and submit the online opt-in consent form on this page or print and complete the form.

  • Call our Member Service Center at 800-724-9282.

  • Register through Reliant’s online banking site.

If you do not want Reliant Community Federal Credit Union to authorize and pay overdrafts on your everyday debit card transactions on any of your checking accounts, you do not need to do anything. To opt-out of overdraft coverage for your everyday debit card transactions, please contact us at 800-724-9282.

Other overdraft options are available.

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