Courtesy Coverage

Avoid the dreaded words: “Your card has been declined.” Our Courtesy Coverage overdraft program is a safety net for eligible Alliance Checking members. Courtesy Coverage can save you the embarrassment of being declined and cover transactions when there aren’t enough funds in your checking account.

Enrollment in Courtesy Coverage is free and there’s no charge if you don’t use the service. If you use Courtesy Coverage, peace of mind costs just $29 per overdraft.

Let us know if you want Courtesy Coverage for your checking accounts. Activate online or call us at 800.232.8669.

Other overdraft options

You can also link your checking account to an Alliance savings account, money market or line of credit to cover transactions when your checking account doesn’t have sufficient funds. Please stop by a financial center or give us a call at 800.232.8669 for details about these options.

[1] Alliance Credit Union Courtesy Coverage offers optional additional coverage for everyday ATM and debit card transactions. The overdraft fee, whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means, is $29 per item ($145 maximum per day). The monthly overdraft limit is $1,000 including fees. Alliance Credit Union pays overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Not available for Fresh Start Checking or Business Checking accounts. You must bring your account balance positive within each 30-day period for Courtesy Coverage to continue uninterrupted. Recurring ACH and check transactions that exceed your balance may continue to be authorized even if you do not sign up for Courtesy Coverage.