Add a Buffer to Your Finances

We all make mistakes. It’s part of being human. That’s why we offer overdraft protection as a courtesy service to watch over your checking account 24/7. We call it Courtesy Pay, and it will cover purchases of up to $500 over your available account balance for just $25 per occurrence. That means, instead of paying fines on a missed bill or facing the embarrassment of being turned away at the check stand with a mountain of groceries all bagged and ready to go, you’ll be able to buy and pay for what you need. However, we pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, the item will be returned or the transaction will be declined.

Want to add overdraft protection to your ATM and debit card transactions? Just fill out the opt-in form and get it back to us by mail or fax at 718-878-4623. You can OPT-OUT at any time for this service.

This service will be provided to all existing checking accounts and for new accounts open at least six (6) months and in good standing. If account reaches these limits, any additional unpaid checks will be returned and charged the overdraft fee. If member’s account is enrolled for automatic transfer from savings, the Overdraft Privilege program will only be used as the last resort. Automatic transfer will always be used in full before the overdraft protection program takes effect.