Keep in mind, if you have overdraft protection, it will be utilized first. Courtesy Pay will only be used if your available overdraft loan balance has been depleted. 

Courtesy Pay allows certain accountholders in “good standing” the ability to overdraw their personal checking accounts up to a predetermined limit. There is a $25 fee per paid item.

Members may opt into Courtesy Pay when opening an Everyday account or through Digital Banking (if eligible).

To opt out of Courtesy Pay, contact us securely by logging in to digital banking, call us at 1-800-444-4816, or stop by any branch location.

We have established a Courtesy Pay limit of $1,500 on your Everyday Account. This limit is currently available to cover checks, bill pay, and other transactions made using your Everyday Account number.

For more information, refer to our guide on managing your loved one's financial accounts at https://www.cuofco.org/loss-loved-one.

In most cases, to make a payment, you will need your full ACH number (13 digits) and routing number - 302075128

Yes! The Credit Union offers a low-cost suite of products geared toward small business.

The quickest way to activate your card is through digital banking. Log in on our website or mobile app, open the Cards tab, and select Activate a New Card.

Members have access to CO-OP Network, a fee-free ATM network with over 30,000 ATMs nationwide.