Courtesy Pay Form

Courtesy Pay Form


Protection & Convenience
Imagine the embarrassment of being left standing with a cart full of groceries because your debit card was declined or standing at an ATM expecting cash only to have your request denied. At Heritage Valley our goal is to provide a positive experience for you and your money. This experience is no exception. In addition to our Courtesy Pay Protection service, we are able to cover your ATM and everyday debit card transactions to help avoid these kinds of potentially embarrassing situations. However, to be protected by this service, you must give your "opt-in" authorization.

What does it cover?

With our Courtesy Pay's new feature, we may approve everyday debit card and ATM transactions for you, at our discretion, when you don't have sufficient funds.

How does it help you?

When you don't have enough funds in your checking account to pay for an unexpected situation, our new Courtesy Pay "opt-in" feature would allow your debit card and ATM transactions to be authorized at our discretion.

How much does it cost?

  • NO FEE to keep Heritage Valley's Courtesy Pay Protection on your account as a safeguard.

  • NO FEE if you never use the service.

  • If you overdraw your account, you'll pay a $35 fee each time you use your debit card without sufficient funds.



In order for your account to be protected by this service you must complete and submit the required information below. If there are multiple owners on the ATM and/or debit card account, either owner can act on behalf of all owners on this account as defined in our Membership Account Agreement. Only one (1) account owner signature is needed to add the overdraft coverage. Once your information has been submitted, we will email you a confirmation letting you know this additional protection has been added to your account.

Overdraft Opt-In Form





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