Courtesy Pay Request Form - Star One Credit Union

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Form Instructions

To submit this form electronically, log into Online Banking and select "Courtesy Pay Request" in the "Forms" area.

Please complete, print, sign, date and mail this application to:

Star One Credit Union
Attn: Account Services
P.O. Box 3643
Sunnyvale CA 94088-3643

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 requirements:

you must be the primary member on an account
you must have a FICO score of 600 or more
you must have no delinquent Star One loans
you must be age 18 or older
no sole proprietorship accounts are eligible

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 we pay it anyway. Overdrafts will be determined based on the available balance in your checking account at the time a check or item is presented. Your available balance may be lower than your actual balance due to funds held for debit card transactions you have authorized and deposited checks held pursuant to our funds availability policy. If the available balance in your account is less than the transaction amount of the check or item presented, the item will be considered an overdraft and may be returned or declined.
We can cover your overdrafts in two different ways:

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.
We also offer overdraft protection plans, such as a link to a savings account, to a Visa account and to a line of credit, which may be less expensive than our Courtesy Pay standard overdraft practices. Learn more about our overdraft coverage plans.

If you do not qualify or opt-out of Courtesy pay and there are insufficient funds, we will return your item.

Courtesy Pay FAQ

What are the standard overdraft practices that come with my account?

We do 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 and other transactions made using your checking account number
Recurring automatic bill payments authorized against your debit card
ACH transactions

The Credit Union pays 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.

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (Opt-in):

ATM Transactions
Debit Card Transactions

Do I have to “opt in” to Courtesy Pay before I “opt in” to the everyday Debit Card overdraft coverage?

Yes, if you have not been previously qualified for Courtesy Pay, first opt in to Courtesy Pay (option #1) and then opt in to the Debit Card option (option #2) to ensure your everyday debit-card transactions receive the same overdraft coverage as your checks and other items.

What fees will I be charged if Star One Credit Union pays my overdraft?

There is no charge each time we transfer from your savings account to cover an item(s).
We will charge you a Courtesy Pay fee of $15.00 each time we pay an overdraft (Courtesy Pay).
We limit the total fees for overdrawing your account to $45 per day.
There is NO fee to keep the overdraft protection service on your account.
There is NO fee if you never use it.

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions on your checking account, you must opt-in by using one of the following methods:

Complete our Courtesy Pay Request form in the Forms area of Online Banking
Complete the form and fax (408-543-5203) or mail to Star One Credit Union, PO Box 3643, CA 94088-3643
Complete and deliver the form to one of our branches
Call us

Your Options

Please note that you may reinstate or revoke your opt-in decision at any time.

#1. Opt in to Courtesy Pay (for non-debit-card transactions)

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 into everyday Debit Card coverage continue to option #2.)

#2. Opt in to everyday debit-card overdrafts

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 Name:
Account Number:
Date:
Member Number:
Member Number:
Member Number:
Member Number:

#3. Opt out of Courtesy Pay and everyday debit-card overdrafts

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

Courtesy Pay Request