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Keep Your Overdraft Privilege

After August 15th, your everyday debit card purchases and ATM transactions will no longer be covered by Courtesy Pay.  That means if you use your debit card and there is not enough money in your account, your transaction will be denied.  You must opt-in, otherwise it will be discontinued.



  • Summary
  • Why Opt-In?
  • Disclosure
  • Avoid the embarrassment of having your card denied
  • Keep your Courtesy Pay Overdraft Privilege available
  • Opt-In by August 15, 2010, or lose your everyday debit card & ATM overdraft privileges




Your everyday debit card transactions include purchases at the grocery store, gas stations, doctors’ offices, pharmacies, and any time you use your card for a one-time transaction, as well as withdrawals and other transactions at the ATM.  If there is not enough money in your account, your transaction will be denied.

If you wish to keep Courtesy Pay for your everyday transactions, you must opt-in.   








The effective date of the change is August 15, 2010. Beginning August 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of up to $29.50 per item will be charged for covering overdrafts that result in a negative balance.  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 bill and pay automatically), such as an 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. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.





Opt-in Today!

You may also opt-in by calling us.

  • 281.422.3611 in Baytown
  • 281.462.2728 in Crosby
  • 800.238.3228 out of the area