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First Pay Overdraft Protection

Your second level of defense in overdraft protection.
If you inadvertently write a non-sufficient funds (NSF) check, the Credit Union may, at our discretion, cover overdrafts up to your First Pay limit. This privilege may be available as long as you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days).

First Pay Overdraft Privilege is not intended to be a substitute for automatic transfers from Shares. If you have this feature on your Checking account, it will be accessed first ($3.00 fee per transfer). First Pay serves as your second level of defense. If Overdraft Privilege is used, your account will be charged our standard $30 fee for each transaction. However, First Pay Overdraft Privilege will save you the embarrassment and inconvenience of a returned check, as well as any additional fees charged by merchants.
  • First Pay limit may also be available for ATM and Point-of-Sale (POS) transactions*
  • No additional costs associated with this privilege
  • No interest charged on overdraft balances
  • If you have multiple checking accounts, First Pay may be available on each account
  • Non-sufficient funds (NSF) check(s) above your limit will be returned to the payee and a $30 NSF fee per check will be charged to your account
  • You will be notified by letter if you’ve been overdrawn for 20 and 30 days
  • Contact any First Heritage location to determine your assigned First Pay Overdraft Privilege limit

Reliance on First Pay Overdraft Privilege for other than occasional or inadvertent overdrafts is not recommended.

*Member must give affirmative consent or opt-in