Did you know you can have overdraft protection on your UDBell Debit Card?

Most of us have found ourselves facing an occasional cash crunch at one time or another, be it the result of our own accounting error or an unexpected expense. That’s why we are pleased to offer Courtesy Pay – a convenient benefit that can make it easier to weather life’s unexpected storms.

Tips for Avoiding Overdrafts:

Watch the video below for some tips to avoid negative account balances.


What is Courtesy Pay?

Courtesy Pay is a noncontractual overdraft protection service that we may offer to our members with eligible share draft (checking) accounts.  As long as you maintain your account in good standing, we may cover insufficient fund items up to your approved $400 Courtesy Pay limit. We will charge our $24.00 overdraft fee and send you a notice when an overdraft occurs. You are required to bring your account to a positive balance within 30 days.

Watch the video below to see more about how Courtesy Pay works:

How it works:

With Courtesy Pay, if we receive an item that causes the balance in your account to go below zero, as a courtesy, we may pay the item up to your $400 limit; including the overdraft fee. There are no fees to have the service available on your account.  If you use Courtesy Pay, you will be charged a $24.00 fee for each insufficient item as described in our Courtesy Pay Policy.  The charges associated with Courtesy Pay are also listed in our Fee Schedule.

We also offer overdraft protection through a link to your savings account, which may be less expensive than Courtesy Pay.  To learn more, ask us about this plan.

Courtesy Pay is automatically added to your account, if it is in good standing, for checks, automatic bill payments and other recurring debit transactions using your account number, such as memberships, electric bills, etc. You can remove this service at any time by contacting us.

Sign up for CPay today!

Contact us and ask to add overdraft coverage to your ATM withdrawals and everyday debit card purchases. There are no applications or credit approvals necessary. You can revoke this service any time by contacting us.

Contact us today and consent to the added protection by either calling us at 610-734-1883 or by completing and submitting our Opt-In form. There is no cost to have this service available.  If you use the service, our standard overdraft fee per item will be applied.

Questions? Please call us at 610-734-1884, or email us at udbinfo@udbell.org.

More information and Terms & Conditions can be found on the courtesy pay brochure.