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Courtesy Pay Program

Say goodbye to overdraft and non-sufficient funds fees! We've got you covered.

USSFCU’s Courtesy Pay Program (CPP) is a discretionary service offered automatically to eligible accountholders to pay items presented for payment in the event you have an insufficient available balance.

  • Courtesy Pay costs nothing and there’s no fee assessed for covering an insufficient balance.1
  • CPP is a courtesy extended to members who maintain their accounts in good standing2 but is not obligated to cover overdrafts.
  • CPP is a non-contractual courtesy and not a line of credit.3
  • CPP maximum limits are set at $500 for the Senate Checking Account and $1000 for the Gold Source Checking Account.4
  • You can easily opt in (or out) by contacting us on the myUSSFCU mobile app, online banking, by phone at 800.374.2758 or at one of our branch locations. 5


Courtesy Pay Program Disclosure

1 An insufficient balance can result from several events, such as the payment of checks, electronic funds transfers or other withdrawal requests; payments authorized by you; the return of unpaid items deposited by you; credit union service charges; or the deposit of items which, according to the Credit Union’s Funds Availability Policy, are treated as not yet available or finally paid. You will be notified of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft, including any fees that you owe us, shall be due and payable upon demand, but if no demand is made, no later than 45 calendar days after the creation of the overdraft. If there is an overdraft on an account with more than one owner on the signature card, each owner and agent, if applicable, shall be jointly and severally liable for all overdrafts inclusive of fees.

2 For Courtesy Pay consideration, you must maintain your account in “good standing”. Meaning, you (1) demonstrate responsible account management, such as making sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all Credit Union fees and charges); (2) avoid excessive overdrafts suggesting the use of Courtesy Pay as a continuing line of credit; (3) there are no legal orders, levies or liens against the account; (4) the primary member is of contractual age and is on the checking account; (5) the primary account has been opened at least 90 days; (6) checking account has either a positive balance or no negative balance greater than 15 calendar days when the program is first offered to you; (7) none of the account holders have caused the Credit Union a loss on any of your shares or loans; (8) none of the account holders have declared bankruptcy; and (9) none of the account holders are delinquent on any Credit Union obligations more than 45 days.

3 Authorizations and payments are based on the available balance at the time the transaction is authorized and such funds will be held until the transaction is presented for payment. The “available balance” is defined as your current balance less any outstanding holds or authorized debits that have not yet posted to your account. We may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for you. For example, we typically do not pay overdraft items if your account is not in good standing as defined above, or if based upon our review of your account management, we determine that you have too many overdrafts or are using Courtesy Pay as a regular line of credit. You may be charged an overdrawn fee for each time an item is returned.

4 Please note that your Courtesy Pay limit may be available for each item paid under the limit created by checks and other transactions made using your account number, such as a teller withdrawal, an automatic payment (ACH) transaction, or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. The limit will not be included in the balance provided during an inquiry.

5 You may opt out of the Courtesy Pay program at any time, but you are responsible for any overdrawn balances and fees incurred at the time of opting out. Normally, we will not approve an overdraft for you in excess of the predetermined amount assigned to your account type. So as not to exceed your limit, please note that the amount of the overdraft plus the credit union’s Courtesy Pay fee per item (if any) will be deducted from the overdraft limit.

Courtesy Pay should not be viewed as an encouragement to overdraw your account. To avoid fees, we encourage you to keep track of your account balance by entering all items in your check register, reconcile your check book regularly, and manage your finances responsibly. Automatic transfers from other shares or lines of credit can also be set up to help prevent overdrafts. If you would like to remove Courtesy Pay from your account, please call 800.374.2758.

LIMITATIONS: Courtesy Pay is a non-contractual courtesy that is available to individually/jointly owned accounts in good standing for personal or household use. The United States Senate FCU reserves the right to limit participation to one account per household and to suspend, revoke, or discontinue this service without prior notice.

Other fees may apply. View complete listing of account fees at

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

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