Products | Checking | Courtesy Pay

Courtesy Pay has you covered

We've all been there: You make an error in your checkbook, an unexpected expense comes up or you run a little short before payday. The $15 check you wrote bounces, and now you owe the merchant $50: $15 for your original purchase plus $35 for returned check fees.

Thanks to Courtesy Pay, the expense and embarrassment of returned checks are things of the past. That's because Courtesy Pay allows us to pay a check or ACH withdrawal presented against your checking account -- even when your balance isn't sufficient to cover it. Courtesy Pay:

• Gives you peace of mind - You don't have to worry that an item will be returned unpaid because you are a few dollars short.

• Saves you money - Merchants charge $30, $35 or more when your check or ACH debit is returned for insufficient funds. With Courtesy Pay, we charge one $25 fee and the merchant is paid in full.

• Protects your credit - Because your item has been paid, merchants don't have a reason to turn you over to a collection agency or prevent you from writing checks in the future.

Courtesy Pay is available on all of Columbus Metro's checking accounts except Metro Merit. If your account is in good standing, we may, at our discretion, pay overdrawn checks and ACH withdrawals up to $300 (including fees). We will notify you any time Courtesy Pay is activated, and it will be your responsibility to bring your account balance positive as quickly as possible. (We're sure you'll want to preserve your good standing so you can continue to use this valuable service!)

Still have questions? Check out our Courtesy Pay FAQ for more information on this valuable service!

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