You've got
Courtesy Pay
Your checking account doesn't have enough money to process a payment.
We cover the payment so it clears, dropping your account into the negative.
You could potentially avoid a merchant fee but will be charged an overdraft fee.
Cover checks, ACH payments, recurring debit card transactions and automatic withdrawals after all Overdraft Protection sources are exhausted.
To add one-time debit card transactions#, activate Courtesy Pay+ by the following directions below.
Courtesy Pay§ is not guaranteed and is not a line of credit.
The amount you can overdraft is based on your recent account history and can be as low as $0.
You can use Courtesy Pay multiple times a day up to your Courtesy Pay limit.
You will be charged overdraft fees for each paid overdraft, up to the daily overdraft fee limit.
Sign up for COURTESY PAY+
to also cover purchases made with your debit card in stores or online.
To activate Courtesy Pay+ call (800) 235-3228, use our Live Chat or stop by any branch.
All accounts must be in good standing to use Courtesy Pay. Certain specialty accounts are not eligible. See Veridian's Membership and Account Agreement for full Courtesy Pay and Courtesy Pay+.
§Courtesy Pay is not guaranteed and is not a line of credit. There is no fee for the service. If Courtesy Pay is unavailable, a check, ACH, bill pay or other electronic (other than one-time or nonrecurring debit card) payment will be rejected if there is insufficient available balance in your account and no Overdraft Protection source(s) are available and sufficient to cover the item. If this occurs, you will be charged a Return Item Fee up to the daily Return Item Fee limit for each payment that is rejected. Although Return Item Fees will be charged to your account and will reduce your account balance, including impacting your ability to make payments and access funds, we will refund all Return Item Fees each night prior to the start of the next business day. We reserve the right to change the timing of any such refund due to circumstances beyond our control including, but not limited to, network, electrical or equipment delays or failure. Note, a merchant may also charge fees for a returned item. If a one-time or nonrecurring debit card payment is declined (not authorized at the point of sale), you will not be charged fees by Veridian or the merchant. All accounts must be in good standing to qualify for Courtesy Pay. If Courtesy Pay is used, an Overdraft Fee will be charged for each paid overdraft, up to the daily Overdraft Fee limit.
#If a debit card payment is declined (not authorized at the point of sale), you will not be charged fees by Veridian or the merchant; however, if you do not have enough available balance in your checking account, the attempt to pay with your debit card will be declined unless you have Courtesy Pay +.