Overdraft Protection for Your Checking Account

You probably do a great job managing your checking account. But when the occasional oversight or unexpected expense occurs, we offer free overdraft protection.

Select a Service:

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    Since no two members’ financial situations are alike, we designed a program to meet your needs and help protect you and your funds. When your account is opened, you have the option of authorizing the credit union to automatically transfer funds from your savings account, money market account, Suncoast Visa® credit card or personal line of credit to cover any overdrafts you may have. 1 If you already have a checking account and are not sure if you have Overdraft Protection, simply call the Member Care Center at 800-999-5887 or visit a service center to take advantage of this free service. 2

    Courtesy Pay

    If you can’t use another Suncoast account as overdraft protection, Suncoast also offers Courtesy Pay for qualified members as protection against overdraft checks, ACH transactions drawn on your account, bill pay transactions, and person-to-person (P2P) payments.3 With this service, you won’t be charged a fee by the merchant for a returned item, but you will be charged the Suncoast Paid NSF (non-sufficient funds) Fee.

    Courtesy Pay is also available to cover everyday debit card transactions when you separately request this service. You can opt in when you open a new checking account. If you already have a checking account, simply call the Member Care Center at 800-999-5887, visit a service center or or the SunMobile app to change your Courtesy Pay preferences.

    Courtesy Pay is not available on ATM transactions.

    How Courtesy Pay Works

    When a check (excluding checks presented for cash at a teller window), an ACH debit, bill pay transaction, or person-to-person (P2P) payment is presented and the funds are not available in your checking account or other designated overdraft sources, Suncoast will honor the item(s) by bringing the checking account to a negative balance not to exceed a predetermined amount or maximum number of items per month.4 Suncoast will honor everyday debit card transactions in the same manner only if you’ve requested Courtesy Pay for your debit card.

    We will notify you by mail or e-notice (based on your account preferences) that your account has been brought to a negative balance to pay the item(s). To make sure that this service remains available, the account must be brought to a positive balance within 30 days.

    Below is an example of how Courtesy Pay can reduce the cost of having to pay a merchant’s fee for an item being returned unpaid:

    With Courtesy Pay
    Suncoast Paid NSF fee: $29
    You Pay — $29

    Without Courtesy Pay
    Suncoast Returned Item Fee: $29
    Average Merchant Fee: $35
    You Pay — $64

    Courtesy Pay is subject to a dynamic maximum limit set by the Credit Union based on your relationship with the Credit Union as well as other factors. As this limit is dynamic, the limit can change as often as daily.

    Due to the dynamic limit and the discretionary nature of Courtesy Pay, your limit and any changes to your limit will not be disclosed to you. However, the Credit Union’s dynamic limits for most members generally range monthly between $100 and $1500 or 10 items per month. You will be charged a PAID Non-Sufficient Funds (NSF) fee of $29 per account per day if an item(s) is presented for payment when funds are not available in your deposit, subsequent back-up deposit account or open line of credit, as designated in the executed overdraft protection agreement.5

    In the event you would later like to remove this service from your account, you may do so by contacting our Member Care Center at (800) 999-5887, or the SunMobile app, visiting your local branch or notifying us in writing by mailing to Suncoast Credit Union, Attn: MSS001, P.O. Box11904, Tampa, FL 33680.

    This service will save you the expense and inconvenience of having a transaction returned to the merchant due to insufficient funds.


    1 Qualification is required for a credit card and line of credit. Free use of 64 ATMs at select McDonald’s® franchises in Hillsborough, Pasco, Pinellas, and Polk counties.

    2 No fees are incurred when you use your savings account, money market account, line(s) of credit or Suncoast Visa credit card as overdraft protection. A personal line of credit or Suncoast Visa credit card as overdraft protection must be applied for and approved. A savings account as overdraft protection must be selected by the member.

    3 Minimum credit or risk score required to qualify. Courtesy Pay is available for each of the following services: checks (excluding checks presented to tellers for cash), ACH debits, bill pay transactions, and person-to-person (P2P) payments. Courtesy Pay does not apply to everyday debit card transactions unless you separately request this service. Courtesy Pay does not apply to ATM transactions.

    4 Approval of payment of reasonable overdrafts by Suncoast Credit Union on accounts in good standing is only a discretionary courtesy – not a right or obligation – is within Suncoast Credit Union’s sole and absolute discretion, and can cease at any time without prior notice of reason or cause.

    5All fees are set forth in the Fee Schedule and subject to change at any time except as prohibited by applicable laws or regulations.

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Easily deposit checks*, pay bills, pay a person, transfer funds, locate the nearest branches and ATMs, and view check images with SunMobile.

*Minimum credit or risk score required.
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