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Overdraft Protection & Courtesy Pay

Options to help cover transactions if your checking account balance is low.

  • Automatic transfers

  • Transaction coverage

  • Added peace of mind
Overdraft Protection and Courtesy Pay can help reduce the inconvenience of declined transactions or returned payments.

Mistakes happen. Hassles don't have to.

Hawaii Community Federal Credit Union offers services that can help cover transactions if your checking account balance is not enough to complete a payment.

Overdraft Protection and Courtesy Pay are designed to help you avoid returned checks, declined transactions, and additional merchant fees.

Hawaii Community Federal Credit Union offers personal checking accounts designed to simplify banking, backed by trusted service throughout Hawaii.

Overdraft Protection

A transfer service that helps prevent overdrafts.

Overdraft Protection may automatically transfer funds to your checking account from another eligible account you have with HCFCU. This can help cover transactions and prevent your account from becoming overdrawn. Transfers may come from a savings account or a line of credit.

Courtesy Pay

A discretionary service that may cover transactions when funds are not available.

Courtesy Pay may allow certain transactions to be paid even if there are not enough funds available in your account. This can help you avoid the inconvenience of returned checks or declined payments.

Courtesy Pay is not a line of credit and is provided at the discretion of the credit union.

Overdraft Coverage Options

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

ServiceCost
Overdraft Protection Link to Another Savings Account you have at Hawaii Community Federal Credit Union
No Charge
Overdraft Protection Line of Credit
Subject to credit approval and interest charges
Courtesy Pay
$25.00 Paid NSF Fee per item
Need help or have questions?

Frequently Asked Questions

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Overdraft Protection at Hawaii Community Federal Credit Union applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another savings account you may have at Hawaii Community Federal Credit Union at no charge or from your line of overdraft Protection at Hawaii Community Federal Credit Union applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another savings account you may have at Hawaii Community Federal Credit Union at no charge or from your line of credit subject to interest charges.

This program saves you the inconvenience of having your checks or other transactions returned due to insufficient available funds in your account. With Courtesy Pay, your transaction may get paid even if you do not have sufficient available funds in your account. You avoid the embarrassment, the hassle and better yet you avoid the merchants’ Non-Sufficient Funds (NSF) fees.

Tools to help you reach your goals

Refer Friends

When they open a checking account, you'll get a gift card, and they'll be entered to win a prize!

Mobile Banking

Bank on your time

Pay bills, deposit checks, transfer money and more - quickly and easily.

  • Free to download

  • Bank on your time

  • Turn your device into a digital branch