RCCU allows qualified members to overdraw their checking accounts on a temporary basis. This privilege covers purchases made on an overdrawn checking account and helps avoid charges for returned checks due to NSF (Not Sufficient Funds).
Checking accounts must be open for at least 90 days to qualify for Courtesy Pay. Overdrafts are limited $300 and must be repaid within 45 days or the account may be closed.
After a 10-day grace period, there is a $5 charge for each day that the account is overdrawn.