Courtesy Pay is a convenient service that provides you and your family with financial flexibility in times when you may not have sufficient funds in your account.
To assure you peace of mind in an emergency, MVSB’s existing Courtesy Pay program automatically covers overdrafts on your everyday debit card purchases. For many of our account holders, this is a valued safety net offering flexibility and protection from the potential embarrassment of insufficient funds and the associated merchant fees.
However, the rules are changing. If you do not tell us that you want us to provide overdraft protection for your everyday debit card purchases and ATM transactions, we will be forced to decline your card when you do not have enough money in your account. If you want to keep this important service on your account, you will have to specifically request it.
Our goal is to assist you with making an informed decision regarding these new requirements and to provide you with a means to notify us of your choice. You can review your Courtesy Pay options and make your choice online or visit any of MVSB’s 11 offices throughout the Lakes Region, or call (800) 922-6872 to learn more.
The choice is yours. We are here to answer your questions.
Overdrafts may be created by check, ACH, online banking transactions, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to pay automatically) such as automatic draft from your health club or insurance company may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. We do not typically pay overdrafts if your account is not in good standing.
Please contact us in the way that is most convenient for you:
- On weekday business hours, call 800.922.6872
- We also have convenient evening and weekend hours in many of our offices.
For a full listing of locations and phone numbers, click here.