HEADS UP PRIVILEGE PAY

HEADS UP Privilege Pay is a non-contractual courtesy service that your credit union offers to members with an active share draft (checking) account. We may* cover insufficient fund checks, ATM withdrawals, electronic finds transfers, or other payment and/or withdrawal requests up to your approved limit. 

That means that instead of returning a check to the merchant, the Credit Union may pay your check up to your $400 limit, saving you additional charges from the merchant or collection company.  We will charge you our normal NSF fee for each item, and send you a notice each time an overdraft occurs.

How can HEADS UP Privilege Pay benefit me?

HEADS UP Privilege Pay may save you the embarassment and expense of a returned check when you make an honest mistake in your checkbook, have unplanned expenses, or run short on cash between paydays.  Instead of returning checks unpaid, we may* automatically pay them for you, up to $400; saving you additional retailer / merchant fees, potential damage to your credit rating and the embarrassment and aggravation that goes along with a returned check.

How do I sign up?

You do not have to sign up for this privelege as lon as your account meets the requirements of our HEADS UP Privilege Pay policy. We may cover insufficient fund checks, electronic funds transfers, or other payment / witdrawal requests up to your approved limit.   

What does HEADS UP Privilege Pay Cost?

HEADS UP Privilege Pay costs nothing unless you use it.  If you do have an occassion to use the service we will charge you our standard NSF Fee of $32.00 per item covered (please remember to subtract these fees from your checkbook balance).  You will then have 30 days to bring your account back into a positive balance in order to maintain your share draft (checking) account in good standing.   If you fail to bring your account to a positive balance within the 30 days, your HEADS UP Privilege Pay will be suspended or revoked until the account is returned to good standing, regardless of whether or not you have reached the $400 limit.  Additionally, if your account is negative for over 30 days, you could lose share draft (checking) privileges at this institution.