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Courtesy Pay

Mistakes happen. Courtesy Pay can help.

Courtesy Pay is a discretionary overdraft program for members in good standing

If you overdraw your Tyndall Checking or Money Market, Courtesy Pay can ensure the transaction goes through. It is a service that is automatically available on qualified accounts once the account has been open for 30 days; you do not need to apply.

It does not cost you anything to have the Courtesy Pay service on your account and there is NO FEE for your first Courtesy Pay per month. Many members find it is an invaluable service to have as a "back-up" - just in case.

Courtesy pay is not a loan or a line of credit, and your maximum limit is specific to you, and subject to change. If you never use Courtesy Pay, there is NO FEE.

Here’s how it works

  • If you have a transaction (such as a check, Automated Clearing House (ACH), electronic payment, including Bill Pay, or recurring debit card transactions like gym memberships, Netflix, etc.) come through and you do not have sufficient funds to cover it, Tyndall will first attempt to cover it using standard Overdraft Protection sources you may have set up in one of these accounts Savings, Money Market, Credit Card, Line of credit, HELOC. If there are no other accounts that can cover it, Courtesy Pay (may/will) kick in and cover the transaction up to your limit.
  • There is NO FEE for the first Courtesy Pay per month.
  • Your account balance can go below zero for a short amount of time. You must bring the account to a positive balance within 30 days.
  • Limits range from $200 up to $1750 and are subject to change daily based on membership status and relationship. Each transaction plus the applicable NSF fee must be within your current courtesy pay limit in order to be paid. Maximum of (5) NSF Fees per day.
  • If you exceed your Courtesy Pay limit, any additional items presented for payment will be returned and applicable fees will be assessed.

Additional Information

  • Courtesy Pay coverage does NOT apply to ATM withdrawals and everyday debit card transactions automatically. If you would like Courtesy Pay coverage to also apply to those types of transactions, you must specifically request it. To Opt-In to Overdraft Coverage on these types of transactions, you can opt-in by selecting this option in Online Banking, speak with a Financial Service Representative at one of our branches, or contact our Call Center at 850-769-9999 (888-896-3255, toll-free).
  • If you do not want to have the Courtesy Pay service added to an account to help protect you from accidental overdrafts, please speak with a Financial Service Representative at one of our branches, send us a secure message through Online Banking or contact our Call Center at 850-769-9999 (888-896-3255, toll-free).
  • Courtesy Pay does not apply to GENIE24 transactions.
  • The Courtesy Pay overdraft limit is not included in your “available balance” shown at the ATM, through GENIE24, or through Online Banking. If you withdraw funds in excess of your available balance at an ATM and you have Opted-In to Courtesy Pay for everyday debit transactions, the withdrawal may access Courtesy Pay and you would incur Paid NSF Fees.
  • You are responsible for managing your account; we recommend you regularly monitor your account through Online and/or Mobile Banking so you are immediately aware of an overdraft occurring. No separate notification is sent to you when Courtesy Pay is used.
  • Because Courtesy Pay is a non-contractual courtesy extended to you by the Credit Union, it can be removed from your account at any time and at the sole discretion of the Credit Union. Whether an overdraft will be paid is discretionary and we reserve the right not to pay them. For example, we typically do not pay overdrafts if an account is not in good standing, if you are not making regular deposits, or if there are too many overdrafts.
  • Fees are subject to change without notice; please refer to our current fee schedule. If an account is not in good standing, the credit union may remove Courtesy Pay from an account without notice

Courtesy Pay Frequently Asked Questions

How much does Courtesy Pay cost?

There is no monthly service fee for Courtesy Pay; you are only assessed a fee when you use it. If your account is never overdrawn, you never pay a fee for Courtesy Pay.

Each time Courtesy Pay is used, you are assessed a small Courtesy Pay Fee (refer to the current Rate & Fee Schedule for fee amount). There is a maximum of five (5) Paid NSF Fees per day.

Which types of transactions may be covered by Courtesy Pay?

  • Checks written on your Tyndall checking (or money market) account
  • ACH (automatic or pre-authorized) debits on your Tyndall checking (or money market) account(s)
  • Tyndall debit card transactions, including point-of-sale transactions (only if you have Opted-In to Overdraft Coverage)
  • ATM transactions, including point-of-sale transactions (only if you have Opted-In to Overdraft Coverage)
  • Tyndall Online Banking/Bill Pay transactions

Please note: GENIE24 transactions are not covered by Courtesy Pay.

How does it benefit Tyndall members?

Since the item is paid to the merchant (or individual), you are not assessed a "Returned Check" (or other returned item fee) by that merchant.

Since the item is paid, you are saved the embarrassment of being placed on a "Bad Check" list.

Courtesy Pay provides a "cushion" for those unexpected emergencies or errors. While it is not an invitation to overspend, Courtesy Pay will assist you in the event of an overdraft.

Do I have to apply for Courtesy Pay?

No. You are eligible for Courtesy Pay after your checking or money market account has been opened for a minimum of 30 days. Accounts are reviewed daily to determine if they continue to meet the basic requirements of the program and to determine the limit.

How will I know if Courtesy Pay has been used on my account?

It appears on your statement and you will see it in your account history in Online Banking. If you have e-Statements on your account, you will receive an electronic notice through the e-Statement section of Online Banking. It is then your responsibility to bring your account back to a positive balance as soon as possible.

Does the Courtesy Pay overdraft limit show in my available balance at the ATM, through GENIE24, or through Online Banking?

No. The "available balance" does not include your Courtesy Pay overdraft limit. In fact, in order to access Courtesy Pay at the ATM, you must have opted into Courtesy Pay for everyday day debit transactions.  Courtesy Pay is not accessible through GENIE24.

Is Courtesy Pay a loan?

No. It is simply a valuable service offered by Tyndall to qualified members and is designed to help you to manage your account(s).

I have more than one Checking Account with Tyndall. Can I have Courtesy Pay on all of them?

No. It is simply a valuable service offered by Tyndall to qualified members and is designed to help you to manage your account(s).

I have more than one Checking Account with Tyndall. Can I have Courtesy Pay on all of them?

Yes, as long as the accounts are maintained in good standing and meet the qualifications. There would be a separate Courtesy Pay limit extended to each qualifying account. If you have reached your Courtesy Pay limit on one checking account, you cannot access your Courtesy Pay limit from another checking account to pay the item.

What happens if I exceed my Courtesy Pay limit?

If that should happen, any additional items presented for payment will be returned and applicable fees will be assessed.

Remember, Courtesy Pay is a non-contractual courtesy extended to you by the Credit Union, based on how well you manage your account. This service can be removed from your account at any time at the sole discretion of the Credit Union.

What if I don't want Courtesy Pay on my account(s)?

You may ask to be removed from Courtesy Pay if you wish. If you choose to do so, however, be aware that any items presented for payment will be returned if there are not sufficient funds in the account. Also, applicable NSF fees will be assessed.

To ask to be removed from Courtesy Pay, please contact a Financial Service Representative at one of our branch locations, log into online banking to chat or send a secure message or contact our Call Center at 850-769-9999 (888-896-3255, toll-free).

Have a question about Courtesy Pay?

Please do not include any account information when submitting this form.


You may reinstate or revoke your Opt-In decision at any time. This request may be made in any of the ways mentioned above with regard to the initial authorization.

A separate Opt-In/Opt-Out request is required for each checking account and money market account you may have with the credit union.

Fees are subject to change without notice; please refer to our current Fee Schedule. If your account is not in good standing, the credit union may remove Courtesy Pay from your account without notice.