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Opt In to Courtesy Pay

Protection for Debit card transactions.

Opt In to Courtesy Pay +

We will not authorize to pay overdrafts for certain types of transactions unless you opt-in to our Courtesy Pay + Overdraft Program. Please read the following information and complete form below to opt-in for Sandia Area Federal Credit Union Courtesy Pay + Overdraft Program.

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

We have standard overdraft practices that come with your account.

We also offer overdraft protection plans, such as a line of credit for those who qualify or a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks written on your account
  • ACH withdrawals from your account
  • Online Bill Pay transactions

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • Everyday debit card transactions
  • ATM transactions

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, your transaction will be declined.

What fees will I be charged if Sandia Area Federal Credit Union pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $29 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Sandia Area Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (505) 292-6343 ext. 5 or (800) 228-4031 ext. 5, or complete the form below and submit.

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    • Notice: By submitting your request, you agree to accept written confirmation of this request in the form of an email. You must have an active email address. You understand that fees, terms and conditions may be changed by the credit union at any time.

      If you do not agree with the notice above, please select "Clear Form" below and contact us by phone, mail, or in person at any of our branch locations so we can process your request for Courtesy Pay + Overdraft Protection. Thank you.

      You can revoke your election at any time by calling the credit union at (505)292-6343, visiting any of our branch offices, or revisiting this online election form.

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