Overdraft Protection Overdraft Protection OptionsWe offer four easy ways to avoid overdraft transactions when there is not enough money in your account to cover a transaction. Account Overdraft Protection Options (Fees may apply): Overdraft Protection Plan - link your checking account to another eligible Affinity account (i.e., savings, money manager) when you’ve exceeded your account balance. Standard Courtesy Pay – a discretionary service that can come with your account. Debit Card Courtesy Pay- a discretionary service that will be made available only if you affirmatively choose to opt in/ participate. Line of Credit - May be established for the purpose of covering overdrafts if applied for and approved. Categories of Courtesy Pay Transactions: Courtesy Pay is a discretionary service of paying overdrafts. There are two categories of Courtesy Pay. Standard Courtesy Pay1 is used for paying incoming checks, ACH transactions, automatic bill payments and recurring debit card transactions. Debit Card Courtesy Pay2 is used for paying every day debit card transactions and ATM transactions To learn more about account overdraft protection options call us at 800.325.0808 or stop by a branch.