Courtesy Pay | Protect Yourself from Overdrafts | TAPCO Credit Union - Tacoma & Pierce County

Courtesy Pay


Because it happens to the best of us.

You do your math wrong or a deposit doesn't arrive on time. Well, we've got the solution for you.

With our Courtesy Pay program, rather than automatically returning your unpaid non-sufficient fund items, we will consider, without obligation on the part of the credit union, the payment of overdrafts up to a set limit.

The service applies to non-sufficient funds for the following kinds of transactions:

  • Share drafts (checks)
  • ACH transactions
  • Debit card purchase*
  • ATM withdrawals*

A Courtesy Pay fee applies to each item or transaction honored under the Courtesy Pay program, as disclosed in the Fee Schedule.

Members will be expected to return their account to a positive balance within 30 days of the overdraft.

The credit union may not pay the overdraft if the member has any of the following:

  • Reached their Courtesy Pay limit
  • Opted-out of the service
  • Abused the service
  • Not met other obligations with the credit union

Courtesy Pay is a non-contractual, discretionary service, and there is no guarantee the credit union will cover transactions that would overdraw your account.

Courtesy Pay is available to any member in good standing, who is not a minor, and has a TAPCO checking account.

This service allows a member to overdraw his/her account up to an allowed limit (based on the type of checking account) with a Courtesy Pay fee assessed per item by TAPCO.

Please Call Member Services at 800.345.7183 with any questions.

*You must OPT-IN in order to include these transactions as part of the Courtesy Pay Service.
See Disclosures for full Courtesy Pay details.


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