Unforeseen circumstances happen to us all...and usually at just the wrong time! Your car breaks down on Wednesday and you don't get paid until Friday. You make an honest mistake in your checkbook and it leaves you a little short to cover all your outstanding checks.

This service may allow us to pay an item presented for payment against your Checking account even if it causes the account to become overdrawn. While it is not an invitation to overdraw your account, it is an added layer of safety should you accidentally write checks for more than you have in your account, or an inadvertent error causes the account to become overdrawn.

Overdraft Protection/Courtesy Pay can be approved to add up to a $500 overdraft limit to your personal checking account. If you overdraw your account, we may pay each check up to your $500 limit. Your account will be assessed our normal Overdraft Protection/Courtesy Pay Charge for each time we pay against an overdrawn account. You will not be charged a non-sufficient funds fee unless your overdrafts exceed the courtesy pay amount. Subject to credit approval.

There are many benefits to you with this new authorization.

• Saves you from the embarrassment of returned checks
• Saves you from merchant returned check charges
• Saves you collection agency fees and protects your good credit rating

That's why CommonWealth Credit Union offers Overdraft Protection/Courtesy Pay, an added member service that protects you from the embarrassment and expense of returned checks Overdraft Protection/Courtesy Pay...Because Life Happens.