Courtesy Pay &
Overdraft Protection

Sign Up For Courtesy Pay

Enjoy Peace of Mind with Our Enhanced Courtesy Pay Program

Courtesy Pay & Overdraft Protection | LOC 365

We’re thrilled to introduce our members to our upgraded Courtesy Pay Program, designed to provide you with an added layer of protection against overdraft situations. Rest easy knowing that we have your back.

Courtesy Pay & Overdraft Protection

Courtesy Pay empowers you by authorizing and paying overdrafts for*:

  • Checks written from your account
  • Automatic bill payments
  • Other transactions made using your checking account number

By utilizing Courtesy Pay, you can conveniently avoid the inconvenience and associated fees of returned items. No more worrying about items being returned to friends, family, or your trusted merchants. With Courtesy Pay, you pay a flat fee equivalent to that of a returned check ($35 per paid item), but gain the peace of mind that your transactions will be honored the first time, saving you from additional costly merchant fees.

And that’s not all. Courtesy Pay goes beyond protecting your checks. You also have the option to extend its benefits to your debit card and ATM transactions. Encounter an unexpected expense without sufficient funds? No need to fret. Courtesy Pay ensures that your debit card transactions are approved, allowing you to proceed without the fear of being declined. A reasonable Courtesy Pay fee will be assessed for each transaction.

If you’re all about stress-free transactions and a worry-free banking experience, simply click the button below to join our Courtesy Pay program.

*Members must have Overdraft Protection.

LOC 365

We’ve Got Your Back When Life Happens.

We understand that life is full of unexpected twists and turns. Sometimes, it throws you a curveball at the most inconvenient moments. That’s why RelyOn introduces LOC365, a handy tool that gives you an extra $365 to handle those last-minute surprises. Whether it’s covering unexpected expenses or bridging the gap until your next paycheck, the choice is yours!

With LOC365, you can bid farewell to the dreaded overdraft fees. Once your balance hits zero, your LOC365 steps in to save the day.

Here’s why LOC365 is a game-changer:

  • No credit check required to get started
  • Payments made on time help build your credit history
  • Benefit from a low-interest rate that keeps costs manageable
  • Say goodbye to annual fees
  • Simply provide two references when applying
  • Note: Not applicable to Fresh Start Checking members, business accounts, or members with a ChexSystems loss of $500 or greater
  • Must be in good standing with RelyOn (deposit and loan accounts)
  • Member at least 60 days.

Experience the convenience and peace of mind with LOC365. A nominal finance charge of 7% APR applies.

Let us be your financial safety net when life takes an unexpected turn.

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