Courtesy Pay Assurance

Being declined for a transaction can be uncomfortable for a number of reasons, especially if you use your cards for day-to-day purchases. While the occasional declined transaction may come as an unfortunate surprise, it doesn’t mean you can’t be prepared.

Confidence you’ll be covered

With Courtesy Pay,* you have the convenience of being covered when you need a transaction to go through. If your available balance is not enough to cover a transaction, SELCO authorizes and pays for it anyway—up to $500.**

Courtesy Pay automatically comes with most SELCO Select checking accounts, covering overdrafts from checks and other transactions made with your checking account, as well as recurring payments with your SELCO debit card. However, to be covered for one-time debit card transactions, including ATM withdrawals, you’ll need to opt in to Expanded Courtesy Pay.

SELCO Elevate checking accounts offer the option to enroll in a limited form of Courtesy Pay with coverage up to $100 for a monthly fee (no “per occurrence” fee). Please contact us if you have a SELCO Elevate checking account and wish to enroll.

Ready to opt in to Expanded Courtesy Pay?

To get started right away, log in to digital banking and follow these steps:

On the app:

Check out this how-to on opting in to Expanded Courtesy Pay.

On a desktop browser:

  1. Click on the ellipsis in the upper-right corner and select Overdraft Protection.
  2. Select Expanded Courtesy Pay on the left side of the page.
  3. Slide the toggle to the right to enable Expanded Courtesy Pay, review and agree to the terms and conditions, then click Submit. You’re now enrolled in Expanded Courtesy Pay. 

You can also stop by any SELCO branch or call us at 800-445-4483.

If you have questions or want to learn more, give us a call, check out our Courtesy Pay FAQ, or send us a secure message through digital banking.

Double your coverage with Overdraft Protection

Overdraft protection is an optional service that helps avoid overdraft fees by automatically transferring funds from a savings account or SELCO Platinum Visa to a checking account when there aren’t sufficient funds to cover a transaction. A $3 transfer fee may be assessed when overdraft protection is used.** Contact us to learn more or enroll.


*Overdrafts are covered at SELCO’s discretion for checks, ACH transactions, and recurring payments made with your SELCO Visa® debit card. If you qualify and opt in to Expanded Courtesy Pay, SELCO may also cover overdrafts for ATM and one-time debit card transactions. SELCO typically does not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or if you have too many overdrafts. A Courtesy Pay fee of $25 is charged for each approved overdraft on most checking accounts. See the Courtesy Pay Overview for additional details.

** Different types of checking accounts may have different overdraft protection fees. For example, the SELCO Elevate checking account offers overdraft protection transfers.