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Overdraft Coverage Options

Overdraft Protection and Courtesy Pay

Life happens! Heartland Credit Union understands that unexpected overdrafts occur from time to time - Overdraft Coverage can help.

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Service Cost
Overdraft Protection Link to Another Deposit Account you have at Heartland Credit Union1 $3.00 fee per transfer
Overdraft Protection Line of Credit1, 2 Subject to fees + interest
Courtesy Pay $35.00 per item. Daily fees may apply.

1Contact us at (217) 726-8877, via our website at or come by a branch to sign up or apply for these services. 2Subject to credit approval.

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at Heartland Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Courtesy Pay allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Courtesy Pay is still available as secondary coverage if the other protection source is exhausted. Please log in to It's Me 247 Home Banking under Member Services to view “What Else You Should Know”.

Transactions Covered with Courtesy Pay Standard Coverage
(No action required)
Extended Coverage
(Your consent required on consumer accounts)*
Checks x x
ACH - Automatic Debits x x
Recurring Debit Card Transactions x x
Online Bill Pay Items x x
Teller Window Transactions x x
ATM Transactions   x*
Everyday Debit Card Transactions   x*

If you would like to select Extended Coverage for future transactions:

*If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Courtesy Pay Extended Coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue Courtesy Pay in its entirety by contacting us at (217) 726-8877, via our website at or come by a branch.

If you have any questions about Overdraft Protection or Courtesy Pay, please call us at (217) 726-8877 or visit a branch.