Courtesy Pay Overdraft Privilege

Although our goal is to encourage financial responsibility, we realize unanticipated expenses or unforeseen problems happen, which can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. Additionally, if you don’t have sufficient funds in your checking account, a debit card transaction will not be approved, which can be very frustrating when you’re standing at a gas pump. That’s why we offer Courtesy Pay.


In order to have your debit card transactions covered by Courtesy Pay, it is necessary to “opt in”. To authorize us to pay overdrafts on everyday debit card transactions, call Member Services at 1-888-533-7537 or speak with a Keesler Federal branch employee.


As long as you maintain your account in good standing, Keesler Federal Credit Union may honor overdrafts up to the Courtesy Pay limit on your account.


Your Courtesy Pay limit may be available to approve overdrafts for checks, automatic bill payments, recurring debit card payments and other transactions made using your checking account number. At your request, we may authorize and pay everyday debit card transactions using your limit. If an overdraft is approved, you may be assessed our Courtesy Pay fee of $25 for each item. All negative balances must be brought positive within 30 calendar days. Keesler Federal Credit Union reserves the right not to pay if the account is not kept in good standing. Please contact a member contact representative for more details.