Star One Credit Union
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You can submit this form electronically in Online Banking.  Log in and click on the "Online Forms" tab and then click on the name of the desired application or form.   Some "Online Forms" are partially auto-populated for your convenience.


Star One Credit Union Courtesy Pay Request Form

Star One automatically qualifies members for Courtesy Pay when we make a decision to pay or not pay an item. If you do not qualify for Courtesy Pay or opt out of this service, Star One will return your item if there are insufficient funds. Courtesy Pay qualifications include: you must be the primary member on an account, you must have a FICO score of 600 or more, no delinquent Star One loans, be age 18 or older and no sole proprietorship accounts are eligible. This form outlines information about Courtesy Pay and your election to Opt-in or Opt-out of this service. 

Please complete, print, sign, date and mail this application to Star One Credit Union, P.O. Box 3643, Sunnyvale, CA, 94088-3643, Attn: Account Services OR contact Member Phone Services at (408) 543-5202 or (866) 543-5202 OR complete and deliver this form to one of our branches.

WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS & OVERDRAFT FEES

An overdraft occurs when you do not have enough money in your account to cover a transaction, but as a service to you we pay it anyway. We can cover your overdrafts in two different ways.

  1. If you do not qualify or opt-out of Courtesy Pay, we will return your item if there are insufficient funds.
  2. We have standard overdraft practices that come with your account. This notice explains our standard overdraft practices, which are also set forth in our Membership and Account Agreement.  
  3. We also have other available overdraft coverage, such as a link to a savings account, to a Visa account and to a line of credit, which are less expensive than our Courtesy Pay overdraft practices. To learn more, click here for information on our overdraft coverage plans.

 

QUESTIONS

Q. If I “Opt-In” to Courtesy Pay, what are the Credit Union’s standard practices that come with my account?
A.  We authorize and pay overdrafts for the following types of transactions unless you ask us not to:

  • Debit card & point of sale transactions
  • Checks drawn against your checking
  • Automatic bill payments
  • ACH transactions

We may pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be returned or declined.

Q. Do I have to “Opt-In” to Courtesy Pay before I “Opt-In” to the everyday Debit Card overdraft coverage?
A.  Yes, if you have not been previously qualified for Courtesy Pay, first Opt-in to Courtesy Pay (#1 below) and then Opt-in to the Debit Card option (#2 below) to ensure your every day debit card transactions receive the same overdraft coverage as your checks and other items.     

Q. What fees will I be charged?
A.  Under our standard overdraft practices:

  • We will charge you a fee of $2.00 each time we transfer from your savings account to cover an item(s).
  • We will charge you a fee of $13.00 each time we overdraft (Courtesy Pay) your account to pay an item(s).
  • There is no limit on the total fees per day we can charge you for overdrawing your account.

Note: We do not authorize and pay overdrafts caused by everyday debit card transactions without an Opt-In authorization.

Please tell us if you want to keep Debit Card overdraft coverage on your checking account(s). To keep your Courtesy Pay for everyday debit card transactions, you must opt-in using one of the following methods:

  • Complete this form and fax (408-543-5203) or mail to Star One Credit Union, PO Box 3643, CA 94088-3643
  • Complete our Courtesy Pay Request form in Online Banking (behind the Online Forms tab)
  • Contact Member Phone Services at 408-543-5202 or 866-543-5202
  • Complete and deliver this form to one of our branches  
* * * * * * * * * * * * * * * * * * * * * * * * * * Cut here * * * * * * * * * * * * * * * * * * * * * * * * * *   OPTIONS

#1.  OPT-IN TO COURTESY PAY (FOR NON-DEBIT CARD TRANSACTIONS)

Please note that you may reinstate or revoke your Opt-In decision at any time.

I authorize Star One to pay overdrafts on checks, bill payments and ACH transactions drawn on my account. This Opt-In request covers the Star One Checking Accounts as shown below.

Member Number:

Member Number:

Member Number:

Member Number:

(Note: To Opt-In to everyday Debit Card coverage continue to option #2.)

 

#2.  OPT–IN TO EVERYDAY DEBIT CARD OVERDRAFTS

Please note that you may reinstate or revoke your Opt-In decision at any time.

I authorize Star One to pay overdrafts on everyday Debit Card transactions drawn on my account. This Opt-In request covers all my Star One Checking Accounts as shown below.

 

Member Number:

Member Number:

Member Number:

Member Number:

#3.  OPT-OUT OF COURTESY PAY

Please note that you may reinstate or revoke your Opt-Out decision at any time.

I do not authorize Star One to pay overdrafts on checks, bill payments, ACH transactions and everyday debit card transactions that are drawn on my account. This Opt-Out request covers all my Star One Checking Accounts as listed below.

Member Number:

Member Number:

Member Number:

Member Number:

 

______________________________________________  
Print Name  
 
______________________________________________ _________________
Authorized Signature Date

 

 
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