Courtesy Pay

To be eligible for Courtesy Pay, you’ll need to enroll, either in person at a 1DCU branch or through your online banking account.

Enrolling in Courtesy Pay is free; you’ll only be charged when you use it.

Your monthly deposits help determine your Courtesy Pay eligibility. Please speak with a 1DCU team member to find out if you are eligible.

You must also be in “good standing” with 1DCU to qualify.

To be considered in “good standing” you must have:

1. Valid mailing address on file
2. Minimum balance of $10 in your Share Savings Account
3. All loans up to date (no past due loans)
4. Members are limited to having only two of the three following products at the same time: MyPay Today, Borrow and Save, and Courtesy Pay.

Youth accounts are not eligible for Courtesy Pay.

There is no maximum amount that can be charged. Please note that Courtesy Pay fees are nonrefundable.

Limit: Determined individually based on your monthly deposits

Please note: the standard overdraft practice that comes with all checking accounts authorizes the credit union to authorize and pay overdrafts for the following types of transactions:

1. Checks and other transactions made using your checking account number
2. Automatic bill payments

Payment of these items will also result in a non-refundable $35 Courtesy Pay fee for each item paid. Click the button below to sign up for Courtesy Pay.

Click here to submit your completed opt-in form via email.

Your monthly deposits help determine your Courtesy Pay eligibility. There are two tiers of Courtesy Pay available:

1. Members with direct deposits of $400 -$799.99 per month will qualify for Courtesy Pay protection up to a $250 limit. Minimum deposit requirements will be based on your account history over the previous 33 days.

2. Members with deposits of $800 or more per month will qualify for Courtesy Pay protection up to a $500 limit. Minimum deposit requirements will be based on your account history over the previous 33 days.

You must also be in “good standing” with 1DCU to qualify.

To be eligible for Courtesy Pay, you’ll need to enroll, either in person at a 1DCU branch or by emailing your opt-in form to ContactCenter@OneDetroitCU.org. Enrolling in Courtesy Pay is free; you’ll only be charged when you use it.

Click here to print and sign your opt-in form

Courtesy Pay is available for the types of transactions described in the section below, if you opt-in, as described in the next section below. The following types of transactions require you to “opt in” (in other words, you must provide us with your affirmative consent) if you would like to include them in Courtesy Pay. Choosing not to opt in may result in these transactions being declined:

• ATM transactions
• Everyday Debit Card transactions
• Recurring debit transactions
• Payment of checks
• Preauthorized payments under our Bill Payment Service
• ACH drafts
• In-person withdrawals at a 1DCU branch