Avanta’s Courtesy Pay

Does a busy lifestyle leave you with little time at the end of the day? Have you ever rushed through balancing your check register, only to find out later you've made a mistake? It happens to all of us on occasion. We now offer a free service that protects your checking account in case you inadvertently have an overdraft. Avanta’s Courtesy Pay has got you covered!

There is no need to enroll, and it is free until you use it, at which time there is a minimal fee of $32 per item. This added protection may help avoid additional fees from the merchant, late payment fees and NSF fees, not to mention the time and hassle it will save you from taking care of an NSF with the merchant. Enjoy the convenience and peace of mind knowing that we've got you covered!

*Overdrafts will not be allowed under any of the following circumstances: No deposit history, account opened less than 60 days, or prior credit problems. We will allow a member to overdraw their account up to $1000 depending on qualifications which will include: Established direct deposit or payroll deduction, established history, good account relationship with Avanta  or a routine deposit history and the amount of your deposits. There will be a $32 charge for each check, pre-authorized ACH, debit or ATM card transaction that is presented to overdraft the account, effective May 15th, 2006. Any account which has been overdrawn continuously for 30 days will be sent to collections. Avanta FCU is not under any legal obligation to pay overdrafts, and holds no responsibility for unpaid items. To opt-out of this program, please contact Avanta Federal Credit Union at 406-651-AFCU and ask to be excluded.