Courtesy Pay

Courtesy Pay - Bounce Protection

Overdrawn? We've got you covered! Courtesy Pay protects you from the embarrassment of returned/declined transactions, your good credit rating and from merchant returned NSF charges. Items/transactions are paid up to $500 for account holders in good standing.

If your account is in good standing, defined as:

  • Account must be opened for 60 days
  • Make regular monthly deposits sufficient to cover outstanding balances
  • Positive account balance at least once every 30 days or less
  • No outstanding legal orders or delinquent loans over 30 days; including credit card balances
  • Must be 18 years or older
  • Members must Opt In for the credit union to pay one time debit card transactions that exceed your account balance

In addition to Courtesy Pay, always feel free to utilize our other services that we offer:

  • Overdraft Protection
  • Line of Credit Loans
  • Online Banking services that monitor account balances
  • Text alerts and low balance notifications

**Fees count against the disclosed overdraft protection dollar limit.  Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from any overdraft protection limit disclosed.

Transactions may not be processed in the order in which they occured, and the order in which transactions are received by Neches and processed can affect the total amount of overdraft fees incurred.

Overdraft fees may be imposed on transactions such as ATM withdrawals, debit card transactions, preauthorized automatic debits, telephone initiated transfers or other electronic transfers if applicable.

We pay all checks and debits on your checking account in order of arrival sequence throughout the day.

Courtesy Pay should not be used as a source of extra funds, but as a safeguard to protect against unexpected mistakes.  It provides you the security of knowing your transaction will be processed, not returned for insufficient funds, and it saves you from being charged any additional fees by the merchant.

If interested, please contact a Neches FCU representative for more information.

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