Courtesy Pay is a service that adds an extra layer of protection to your checking account to cover checks, ACH, ATM withdrawals and point-of sale transactions. Courtesy Pay may cover your nonsufficient funds items up to a limit of $500.00, for a $30.00 fee per transaction. This means that instead of returning an item to the merchant because of nonsufficient funds, the credit union will pay your item, saving you additional charges from the merchant. You must have a minimum of $500 per month as a direct account deposit to qualify for and maintain courtesy pay.