What is Courtesy Pay?

Courtesy Pay is an optional overdraft tolerance service to cover transactions when there is not enough money in your account. Standard Courtesy Pay coverage comes with your account to cover checks and other transactions using your checking account number such as automatic bill payments by ACH. You may also opt IN to have Freedom cover ATM transactions and everyday debit purchases or you may opt OUT of Courtesy Pay altogether and ask Freedom NOT to pay any of your overdrafts. Freedom charges a fee of $35.00 each time it pays an overdraft with Courtesy Pay. There is no limit on fees accumulated for overdrawing your account.

Freedom does not guarantee that it will always authorize and pay any type of transaction. If Freedom does not authorize and pay an overdraft, your transaction will be declined. To make changes to your Courtesy Pay coverage, please contact us at 1-800-440-4120 or visit any branch location.

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