FAQs (data-driven)

Courtesy Pay

• What is Courtesy Pay?

  Courtesy Pay is an overdraft protection service that may allow transactions to be paid even when there are insufficient funds in the checking account.

• How does Courtesy Pay work?

  If an eligible transaction exceeds the available balance in a checking account, Goldenwest may choose to cover the transaction and charge an overdraft fee.

• Do I need to opt in for Courtesy Pay on debit card purchases?

  Yes. Members must opt in to use Courtesy Pay for everyday Visa debit card transactions.

• How much is the Courtesy Pay overdraft fee?

  Each Courtesy Pay transaction incurs a $22 overdraft fee.

• Is there a monthly Courtesy Pay limit?

  Yes, members may receive up to $1000 in Courtesy Pay transactions per month.

• What is the difference between actual balance and available balance?

  The actual balance reflects posted transactions, while the available balance includes pending transactions and authorized holds that have not yet posted.

• Can pending debit card transactions cause overdraft fees?

  Pending debit card holds can reduce the available balance and may contribute to overdraft fees if other transactions clear first.