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Courtesy Pay

25-referral-Landing-Page-Image.jpgCourtesy Pay to the Rescue!

GTE has your back if you need immediate cash

GTE Financial has a Courtesy Pay program that checking account holders may opt-in to. We understand that members may sometimes need access to funds, beyond what’s available in their account. As a convenience, GTE offers Courtesy Pay* for check and Automated Clearing House transactions that may overdraw an account.

You can choose to have this same coverage on your debit card and ATM transactions**. If you enroll, we may approve debit card purchases and ATM withdrawals that overdraw your account, allowing you to make those necessary purchases if needed. If you opt out, transactions that overdraw your account will be denied.

How does the program work?

  • Courtesy Pay is not a loan. It is a non-contractual service offered and provided to GTE Financial members who are in good standing and have a checking account. This service is meant to be used as a safeguard for rare occasions versus habitual needs. GTE offers checking account holders a Courtesy Pay program as an option after all overdraft sources have been exhausted. 
  • If Courtesy Pay is used, GTE will review the cost of the transaction and if approved, in essence will front those costs, up to your approved limit, for a small fee of $35.00 per covered item. 
  • The full amount of the overdraft balance is due immediately***, or at the latest, within 14 days from the date of the transaction.



Courtesy Pay FAQs

* To have this benefit applied to your Debit card transactions, you must enroll. * This program is discretionary and opting-in does not guarantee payment. Limits are based on factors such as account activity and history, and are subject to change without notice. Health Savings Accounts (HSA) are not eligible for Courtesy Pay. ** Business Accounts are automatically enrolled in Courtesy Pay for debit card and ATM transactions. To opt-out please call us or visit any GTE Financial location. ***This free program is discretionary and opting-in does not guarantee transactions will be approved if funds are not available. The full amount of the overdraft balance plus related fees will be due immediately, but in no event more than 20 days after the date of the occurrence. Federally insured by NCUA.

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