May 25, 2026

We’ve all been there: Your balance is a little lower than expected, but a payment still goes through.

That’s where Courtesy Pay can help.

Courtesy Pay is a service offered by credit unions like Parks Heritage that can cover transactions when your account doesn’t have enough funds, helping you avoid declined purchases or returned payments.

What you should know:

  • It’s optional; you choose to opt in or opt out.

  • It can help cover checks, ACH payments, and everyday debit transactions.

  • It provides a short-term cushion when timing doesn’t line up.

important reminder:

Courtesy Pay is designed for occasional use, not as a long-term solution.

The goal is to give you flexibility when you need it most, without disrupting your day.

If you’re unsure whether you’re enrolled or want to make changes, we’re happy to walk you through your options.

Because sometimes a little backup makes a big difference.

MonthInitial Contribution $500 = Bi-weekly Deposit of $25Ending Balance
May$50$550.05
June$50$600.10
July$75$675.16
August$50$725.22
September$50$775.28