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.