Neches FCU online services will be temporarily unavailable on February 23rd at 7pm to 10pm.

Courtesy Pay

Your personal checking account may be eligible for Courtesy Pay. This new service allows us to pay a check written on your checking account, even if it causes the account to become overdrawn. Courtesy Pay provides you with an added layer of safety should you accidentally write checks for more than you have in your account, or if an inadvertent error causes the account to become overdrawn.

Courtesy Pay adds a $500 overdraft limit to your personal checking account. If you overdraw your account, we may pay each check up to your $500 account limit. Your account will be charged with a Courtesy Pay fee of $30 on each overdraft we pay within the limit. Best of all, you will not be charged non-sufficient funds or NSF fees unless your overdrafts exceed the Courtesy Pay amount allowed by the credit union. If you have established other overdraft protection methods such as automatic transfer from your other accounts, we will always look to pay any overdraft by those other methods first.

Courtesy Pay provides many benefits, including:

  • You won’t pay merchant returned check charges.
  • You won’t pay collection agency fees for returned check charges.
  • You avoid the embarrassment of insufficient funds returned checks.
  • You have the added measure of safety protecting your good credit rating.

Don't hesitate to contact us for more information about Courtesy Pay.

Online Banking

Access your accounts, view history, transfer funds.


Convenience and control over every bill you pay.

Mobile Banking

Access to your accounts anytime, anywhere.

Manage Credit Card

Check account balances, view account activity, and view statements anytime.

Telephone Banking

Make transfers with a touch-tone phone

Text Notifications

Enhance your mobile banking experience.


No waiting, no paper to file.

Courtesy Pay

Help prevent overdrafts and Insufficient funds