Several options to cover your checking account
How can Courtesy Pay Help You?

Got a flat tire? Need to get groceries before payday? Life happens, If you unexpectedly overdraw your checking account, Courtesy Pay can assist you. 

Overdraft Coverage Options
The choice is yours. Consider these ways to cover overdrafts:

Service Cost
Overdraft Protection link to another deposit account you have at LINCONE Federal Credit Union $5.00 per fee transfer
Overdraft Protection Line of Credit 1, 2 Subject to interest
Courtesy Pay $35.00 Overdraft Fee per item

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at LINCONE Federal Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Courtesy Pay allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Courtesy Pay is still available as secondary coverage if the other protection source is exhausted.

Transactions Covered with Courtesy Pay Standard Coverage (No action required) Extended Coverage (Your consent required) *
Checks X X
ACH - Automatic Debits X X
Recurring Debit Card Transactions X X
Online Bill Pay Items X X
Teller Window Transactions X X
ATM Transactions X*
Everyday Debit Card Transactions X*

If you would like to select Extended Coverage for future transactions, call us at (402) 441-3555, visit any branch, download Courtesy Pay brochurecomplete a consent form and mail it to us at P.O. Box 30659, Lincoln, NE 68503, or email us at

You can discontinue Courtesy Pay in its entirety by contacting us at (402) 441-3555 or sending us an email at

If you have any questions about Overdraft Protection or Courtesy Pay, please call us at 402.441.3555 or visit a branch.

1 - Call us at (402) 441-3555, email us at, or come by a branch to sign up or apply for this service;
2 - subject to credit approval.

*If you choose Extended Coverage on your account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Courtesy Pay Extended Coverage, it is not necessary to request it again.

*Except as described in this brochure, LINCONE Federal Credit Union will not pay items if the available balance in your account (including the Courtesy Pay limit, if applicable) is not sufficient to cover the item(s) and the amount of any fee(s). 

*You must deposit the full amount of the overdraft within 32 consecutive calendar days, including any fees assessed, and maintain a positive balance for at least one business day to continue to receive the full Courtesy Pay limit. 

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