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Maumee Valley Overdraft Service (Courtesy Pay)

Please read the following information and complete the form below.

What You Need to Know about Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in three different ways:

  • We have standard overdraft privilege practices that come with your account.
  • We offer overdraft protection plans, such as a link to a savings account, which my be less expensive than our standard overdraft privilege practices. To learn more, ask us about these plans.
  • We also offer a Draft Line of Credit (DLOC) that must have credit approval.
This notice explains our standard overdraft privilege practices.

What are the standard overdraft privilege practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to opt in (see below):
  • ATM transactions
  • Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Maumee Valley Credit Union pays my overdraft?
Under our standard overdraft privilege practices:

  • We will charge you a fee of up to $30 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Maumee Valley Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

  • Complete the online form below and click ‘Send Application', or
  • Call our Toledo Office at (419) 382-4071 or our Perrysburg Office at (419) 872-1201 to speak to a representative.

MVCU Overdraft Service (Courtesy Pay) Opt In Request Applicaiton
Member Account Number Social Security # (###-##-####)

Last Name First Name Middle Initial
Street Address
City State Zip Code
Date of Birth (mm/dd/yyyy)

Phone # (###-###-####)
E-Mail Address

Would you like to opt in for Maumee Valley's Courtesy Pay?
Yes, I would like to opt in and use Maumee Valley's Courtesy Pay.
No, I do not want to utilize Maumee Valley's Courtesy Pay.

Notice: By opting in to Courtesy Pay, you acknowledge you have read and agreed to the Courtesy Pay Disclosure found at Maumee Valley Credit Union's Disclosures Page. You understand that fees, terms and conditions may be changed by the credit union at any time. Your Date of Birth (DOB) and Social Security Number (SSN) serves as your electronic signature to validate this application.

Thursday, December 14, 2017
This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. Members' accounts are not insured or guaranteed by any government or government-sponsored agency.