At Utah First, 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.
Below you’ll find the details of our overdraft policy for each account type.
| Account Type | Courtesy Pay |
|---|---|
| Savings | $17.95 Courtesy Pay |
| Money Market | $17.95 Courtesy Pay |
| Free Checking | $17.95 Courtesy Pay |
| E-Checking | $14.95 Courtesy Pay |
| Dividend Checking | $17.95 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.
Courtesy pay may also be suspended for delinquent loans, charge-offs at Utah First or other financial institutions, fraudulent activity (check deposit), or low FICO score. Courtesy pay is not available for ATM, or in-person withdrawals.