Authorization for Debit Card POS Transactions
Federally mandated changes to the Electronic Funds Transfer Act, requires members to Opt-In if they wish to
have the option of Courtesy Pay coverage on Debit Card Point of Sale (POS) purchases. Premium Checking
accounts less than 30 days old and Basic Checking accounts are not eligible for Courtesy Pay. This service
is only available to Premium Checking accounts in good standing, and at the discretion of EFCU.
If funds are not available for Debit Card POS purchases and the member has not completed an Opt-In Authorization,
the transactions will be denied.
Opt-In for Courtesy Pay for Debit Card POS Transactions
To indicate your preference for Courtesy Pay or for information about other alternatives we offer for covering overdrafts, please contact us:
- In person at any EFCU branch location.
- By phone at 1-850-862-0111 or 1-800-367-6159 x1402
- Log in to Home Branch and click on the Accounts > Courtesy Pay option.
If you Opt In for debit card POS transactions, you may use any of the above options to revoke this authorization at any time.
Courtesy Pay Authorization for Debit Card POS Transactions
Courtesy Pay Disclosure Information
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