All Credit Human locations will be closed on Wednesday, June 19 in observance of Juneteenth National Independence Day.

    Overdraft Protection Options

    Option Cost Covers
    Overdraft Transfer from Shares

    Transfer funds from your linked share account to cover overdrafts from your checking by linking your accounts.


    You must opt in for service.

    Free Checks, ACH and Debit Card transactions
    Uncollected Funds

    Coverage applied with pending credits through check deposits or ACH.


    You must opt in for service.

    $25 per item paid against Uncollected Funds Checks, ACH and Debit Card transactions
    Line of Credit

    A personal loan account linked to your checking account to cover overdrafts.  LEARN MORE


    You must opt in for service.

    A low 3% monthly payment or a minimum payment of $10 (whichever is greater) Checks, ACH and Debit Card transactions
    Courtesy Pay

    For those without a linked share account or line of credit, Credit Human will provide up to $300 of protection against unexpected overdrafts.


    You must opt in for service.

    $25 per item handling fee Checks, ACH and Debit Card transactions

    To learn more about your options or to sign up visit any Credit Human location or call our Member Service Center at (210) 258-1234 or 1-800-688-7228.

    Non-Sufficient Funds/Courtesy Pay Handling Fees:  regardless of whether we pay or return a non- sufficient funds item we will charge the account either a per item $25 non-sufficient funds fee or a per item $25 Courtesy Pay handling fee as set forth in our Service Fees brochure.

    How Courtesy Pay Works

    Courtesy Pay is designed to help members when other alternatives have been exhausted. It is always best for you to transfer funds to your checking account from your share account or Line of Credit if you anticipate needing these funds. Courtesy Pay is additional protection provided at the discretion of Credit Human. Courtesy Pay is used to pay transactions when you have insufficient funds in your account and have opted into the service.
    • Overdrafts should not be used to pay ordinary or routine expense and you should not rely on overdrafts as a means to cover these expenses.  Avoid using Courtesy Pay as a short term loan.
    • For qualified members, this service is a benefit of your Credit Human checking account and can provide up to $300 of overdraft protection.
    • Use of the $300 limit will allow items to be paid at the discretion of Credit Human, even if there are insufficient funds in the account. A fee of $25 will be assessed to your account for each item that draws your account negative based upon your available account balance.
    • Courtesy Pay can help reduce extra charges merchants add to a returned check or ACH withdrawal. The payee is not notified that your account is overdrawn and the transaction is paid.  And you will avoid the hassles of not being able to write checks to merchants or having to pay additional "Returned Check" fees to the payee.

    How Funds Post

    Step 1

    Transactions are applied to available funds in your checking account.

    Step 2

    If there is not enough money in checking, transactions are covered by a linked share account or by a Line of Credit. You must opt in for Overdraft Protection by transfers from Shares or Line of Credit. 

    Step 3

    If transactions cannot be covered in Step 2 or you do not have a backup account, Credit Human applies Uncollected Funds from pending credits such as checks on hold or ACH. You must opt in for Uncollected Funds Overdraft Protection.

    Step 4

    If the overdrawn balance remains, Credit Human will apply Courtesy Pay funds of up to $300 at our discretion.  You must opt in for Courtesy Pay Overdraft Protection.
    If Credit Human decides to pay a check and/or withdrawal that exceeds the available funds in your checking account, you agree to pay a handling fee of $25 per transaction paid, which will be added to your balance along with the funds advanced by Credit Human to pay the overdraft. You agree to pay the entire negative balance within 44 days from the date you first used Courtesy Pay.  If you are unable to pay the balance in full within 44 days, Credit Human may agree to set you up on an installment plan with up to four substantially equal monthly payments at a 0% Annual Percentage Rate.

    Please see Courtesy Pay Disclosures for more information. All other terms and conditions of your account are set forth in our Membership Account Agreement or Credit and Security Agreement.