Account Protection Options
For those “Oops, I thought I had more money in my checking account” moments—UNIFY has options! We offer options to pay your transaction—even when you don’t have the funds in your account.
Here’s how it works:
Standard Courtesy Pay – No Opt-In Required
First things first, we’ve got your back. Your UNIFY Checking Account already comes with standard Courtesy Pay that covers your checks and any recurring transfers set up using your checking account number and routing number, up to $750. There is a $30 fee for each transaction covered.
Don’t need this? Just phone us and opt-out. We can remove this from your account.
Overdraft Protection Options – Set Up Required
Protect your UNIFY Checking Account from overdrafts and fees1—when a transaction processes and you don’t have the funds available, you can advance funds from your UNIFY Credit Card or line of credit, or even pay it from available funds in your UNIFY Savings Account.
Courtesy Pay3 – Set Up Required
We even offer a Courtesy Pay option for debit card and online transactions (that doesn’t use your routing number) from being declined.
You’re covered up to $7502, with a $30 fee for each transaction.
To opt-in visit a UNIFY Branch or call us at 877.254.9328.
|Account Protection 101
|LINKED WITH UNIFY…
||Savings account, credit card or
|COVERS AMOUNTS UP TO…
||Available savings or credit limit.
once Overdraft Protection is depleted.
|COST TO SET UP
|FEES FOR USE
||Cash Advance fees may apply for credit card use, depending upon your agreement.
||$30 per transaction, up to 5 fees per day. No charge for additional daily transactions.
||Immediate withdrawal from savings OR repayment based on terms of credit.
||Overdrafts must be repaid within 15 days.
1 There is no cost to set up Overdraft Protection. Transfer and other fees may apply if you use this service. An overdraft transfer from your UNIFY Visa credit card will be treated as a cash advance. Overdraft transfers from your credit card or line of credit accrue finance charges from the date of transfer until paid in full. See your account agreements for further information. UNIFY Line of Credit and VISA Credit Card subject to credit approval. UNIFY Financial Credit Union is an equal opportunity lender.
2 Your UNIFY membership must be in good standing to qualify for the Courtesy Pay program. We reserve the right to discontinue or reduce Courtesy Pay privileges at any time. Using Courtesy Pay may be more costly than other overdraft methods we may offer.
3 Share drafts (checks) and Automated Clearing House (ACH) electronic payments are part of our standard Courtesy Pay coverage. Coverage for one-time debit card, Point-of-Sale, and ATM transactions requires your consent, or “Opt-In.”