Did you know…?

At Sierra Pacific, you have choices on how you want to handle potential insufficient funds. Courtesy Pay strives to cover your checks, automatic payments and recurring debit transactions when your account balance is insufficient.*

You may also choose to opt-in for additional coverage for ATM withdrawals and one-time debit transactions! It’s easy. Just stop by any of our branch locations to make your choice.

Additional Overdraft Protection Options:

In addition to Courtesy Pay, check out these great options for overdraft protection available to our members:

Transfer From Savings
Link your savings account to your checking to transfer available funds to cover overdrafts.
Up to 6 free transfers per month.**
Overdraft Line of Credit
A line of credit which will cover overdrafts up to an available limit.
Accrues interest on outstanding balance owed at 13.99% APR†

*Coverage cost is $25 per item. Insufficient fund coverage is subject to a predetermined limit. Certain restrictions may apply. Whether overdrafts will be paid is discretionary and Sierra Pacific reserves the right not to pay. Determining factors for overdraft payment include but are not limited to age of account, deposit balances, deposit regularity, previous overdraft activity, account status relating to any legal or administrative order or levy, status of member loan obligations with Sierra Pacific. Members may change their choice at any time. Inquire in branch to apply or for more details.

**Savings accounts are limited to 6 automatic or electronic transactions each month. This includes additional transfers such as loan payments, debits, premium payments, etc.

APR = Annual Percentage Rate.

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Sierra Pacific Federal Credit Union