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Transfer Pay

Protect Your Checking Account with Transfer Pay

An overdraft occurs when you don't have enough money available in your account to cover a transaction, but we pay it anyway. Neighborhood Credit Union offers the following overdraft options:

  • Transfer Pay linked to a savings account or Line of Credit
  • Courtesy Pay
  • Auto-decline (if not enrolled in either Overdraft Protection service)

Save Money on Fees with Transfer Pay

Transfer Pay uses money from another account of yours instead of temporarily borrowing money from the credit union through Courtesy Pay to cover a debit card transaction, ATM withdrawal, or ACH transaction overdraft. If you have linked a savings account ($4 fee) or Line of Credit (free!) and there are enough funds to cover the transaction, we'll automatically transfer the money from that account, saving you the hassle of a Courtesy Pay fee.

Courtesy Pay vs. Overdraft Protection

Courtesy Pay is a service we provide where we consider paying a debit card transaction, ATM withdrawal, or ACH even if you don't have enough money in your account at that moment. Some members appreciate the peace of mind that a debit card purchase won't be declined at the store register or paying a bill. Click to learn more about Courtesy Pay.

Overdraft Protection Service Fees

Service Covered Transactions Fee Included
Transfer Pay from Savings Account Checks, ACH, Debit Card, ATM $4 Must enroll.
Transfer Pay from Line of Credit Checks, ACH, Debit Card, ATM Free! Must enroll.
Courtesy Pay Checks, ACH $34 Yes
Courtesy Pay Debit Card & ATM $34 No, opt-in here.

Can I have both Courtesy Pay and Transfer Pay?

Yes, you can be enrolled in both Courtesy Pay and Transfer Pay on your checking account. We will first utilize Transfer Pay, but if there are not enough funds in the backup account or you do not have a Line of Credit set up, then Courtesy Pay will be considered to cover the transaction.

If you choose to opt-out of Courtesy Pay or decline to enroll in Transfer Pay, any account without funds to cover the transaction will result in an auto-declined transaction.

Qualifications for Overdraft Protection Options

Transfer Pay does not depend on any qualifications, only that you enroll during opening a checking account or anytime after that.
Courtesy Pay can be applied to any Neighborhood Credit Union checking account. You must be a Neighborhood Credit Union member in good standing, be 18 years of age or older with a valid Social Security Number, have a US address on the account of record, and the account can not be dormant. Click to learn more about Courtesy Pay.


Questions about Overdraft Protection Services?

Don't hesitate to contact our Member Service team.

How to Enroll in Transfer pay

When you first open your checking account, you are asked if you would like to enroll in Transfer Pay. If you did not enroll in Transfer Pay at that time, you are still able to do so later. Simply log into your online banking account on your desktop or through your MyNCU Mobile App and send a secure email or start a secure chat to request enrollment. 


Why Neighborhood Credit Union is a great choice for checking, savings, and loans.

With over 90 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.

We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.

As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.

At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.

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