Courtesy Overdraft is a service we provide where we consider paying a transaction, even if you don't have enough money in your account. Some appreciate the added layer of protection and the ability to overdraft in some cases, to avoid having a debit card purchase declined at checkout or a check returned unpaid. Unlike a line of credit, Courtesy Overdraft is not a loan and you can access the funds up to the disclosed limit, for a fee.
All personal GECU checking accountholders are automatically enrolled in standard coverage; however, you can opt in/consent to our extended coverage option, which authorizes GECU to pay ATM and everyday debit card transactions on your behalf. This way, your transactions do not get declined or returned. Business checking accounts are automatically enrolled in extended coverage for your convenience.