Welcome to Utah First Credit Union, where we prioritize your financial well-being above all else. We understand that life can be unpredictable, and unexpected expenses can sometimes lead to overdrafts. That’s why we offer the most affordable overdraft protection in Utah. Unlike the big banks, we’re not here to make money from your misfortune. We never judge, so we understand that overdrafts happen and that they shouldn’t cost you an arm and a leg. For only $14.95, we’ll ensure that your transaction is covered and you can stress a little less. Ask our team how you can opt into this service so you can be protected.
Unlike the big banks, we’re not here to profit from your misfortune. We believe that everyone deserves a helping hand during challenging times, without the fear of being penalized with exorbitant fees. At Utah First, we never judge. We understand that overdrafts happen, and we’re here to provide you with the support you need without breaking the bank.
For just $14.95, we’ll ensure that your transaction is covered, allowing you to breathe a little easier knowing that your financial needs are taken care of. No more worrying about declined transactions or unexpected fees. With Courtesy Pay from Utah First, you can navigate through financial hiccups with confidence.
Opting into this service is easy. Simply ask our team how you can enroll in Courtesy Pay and enjoy the peace of mind that comes with knowing you’re protected.
Below you’ll find the details of our overdraft policy for each account type.
| Account Type | Courtesy Pay |
|---|---|
| Savings | $17.95 Courtesy Pay |
| Personal Checking | $14.95 Courtesy Pay |
| Business Classic Checking | $17.95 Courtesy Pay |
| Business Advantage Checking | $17.95 Courtesy Pay |
The benefit of courtesy pay is available for covering overdrafts created by check, ACH debit, debit card transactions, or any other electronic means. Utah First is happy to help with overdrafts when the need arises, however, the negative balance must be resolved within three (3) days. Negative balances not resolved quickly may result in courtesy pay being suspended. We’re committed to providing you with the support you need, but we also encourage responsible financial practices to ensure the sustainability of our services.
At Utah First, your financial well-being is our top priority. With Courtesy Pay, affordable overdraft protection is within your reach. Say goodbye to stress and hello to peace of mind. Contact us today to learn more about how Courtesy Pay can benefit you and help you on your financial journey.
Courtesy Pay fees are typically non-refundable. However, if you think there was an error or have special circumstances, reach out to our team—we’re always happy to help.
Yes, Courtesy Pay has a set limit based on your account type and history. If you’d like to know your specific limit, just give us a call or stop by a branch.
Courtesy Pay usually kicks in after about 30 days of account activity. The timing may vary, so check with our team to see when you’ll be eligible.
Overdraft protection moves money from a linked savings or credit account to cover shortfalls. Courtesy Pay, on the other hand, allows transactions to go through even if you don’t have enough funds for a small fee.
We ask that any negative balance be repaid within three (3) days. This helps keep your account in good standing and ensures you can continue using Courtesy Pay when you need it.
Courtesy Pay at Utah First is just $14.95 per covered transaction—the lowest overdraft fee in Utah! That means more peace of mind without the high costs.