We understand.  It happens to all of us.  You make a mistake in your checkbook.  You're a little short of cash 2-3 days before payday.  That's why InvesTex offers Courtesy Pay, an added member service that protects your personal checking account when an inadvertent overdraft occurs.  Simply opt in the program by signing our Courtesy Pay Opt In Form available online and at all branch locations.

• Protection from the embarrassment of returned checks
• Protection from the merchant returned check charges
• Protection from collection agency fees
• Protects your good credit rating

With this line of credit, funds are available whenever you need them.  Ready Credit Overdraft Protection transfers funds from your line of credit loan to your share draft/checking account to pay a check presented on insufficient funds.  Transfers are made in increments of $50.00 and added to the balance of your Ready Credit Loan.  There is a $2.00 service fee per occurrence.  Payment notices are issued to you after each occurrence.  If the limit is reached on your Ready Credit Loan, funds will be transferred through Share Overdraft Protection. 

All InvesTex checking accounts automatically carry share overdraft protection (unless you have notified us to remove this service from your account).  With Share Overdraft Protection, transfers of available funds are made from your shares/savings account to pay a check presented on insufficient funds.  Transfers are made in increments of $50.00 and the fee for this service is $2.00 per occurrence.

¹ A fee is charged to your account for each overdraft paid.  Refer to the current Fee Schedule.  The type of transactions that are eligible for Courtesy Pay privilages in which a fee is charged include all debits to your checking account excluding ATM/PIN-based withdrawals.  You are required to repay or cover any overdrafts paid by InvesTex immediatly, but not longer than 30 days.  Your Courtesy Pay privilages can be revoked at the discretion of the credit union at any time.