Please Note: Due to high call volume, we encourage you to use one of our digital channels available. Visit our Contact Us page to connect.
Attention Legacy Mountain Valley Members: Important updates regarding the merger are now available. Please visit our Merger Information Page for details. 
As long as your account is in “good standing”1 AmeriCU may approve your overdraft items within your current available Courtesy Pay limit. For this service, you will be charged an overdraft fee of $28 for each overdrawn item created by check, ACH, other electronic means and recurring debit cards transactions. Also, at your request*, ATM withdrawals and one-time debit card transactions, paid under the limit. All negative balances must be brought positive within 30 days or your Courtesy Pay limit will be suspended.
Your Courtesy Pay limit is a non-contractual courtesy granted after your account has been open for 30 days. The current Courtesy Pay limit for AmeriCU’s Freedom Checking, High Rate Checking, and Rewards Checking accounts is $500 per account.
Because using Courtesy Pay can become costly at $28 per use, we encourage you not to rely on this service too regularly. The best way to avoid these charges is to be sure you always have enough in your account to cover your transactions. If you are having trouble making ends meet, AmeriCU offers other, less expensive methods to help you make sure your checks or withdrawals are honored, including:
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Access your accounts from your desktop or mobile, without ever having to visit a Financial Center, and take advantage of a variety of eServices!
An Interactive ATM operates similarly to your every day ATM with one, new difference – you can now chat directly with an AmeriCU representative during regular business hours and perform virtually any transaction
Here, you can do nearly anything virtually that you can do inside one of our Financial Centers, including talking with a live member of our team! It’s convenient, easy, and available wherever you go.
Alina Decker, a professional with more than 15 years of experience has been promoted to Financial Center Manager at AmeriCU’s Auburn branch.
Clarkson University proudly hosts a Volunteer First Responder Appreciation Game at a home Golden Knights hockey matchup.
In today’s fast-paced digital world, managing personal finances has become more complex—and more critical—than ever.
* Please note: Courtesy Pay coverage on ATM and everyday debit card transactions requires members to opt-in to this portion of the program. Coverage for ACH, checks and recurring debit card transactions are automatically added to eligible accounts.
1 Please refer to our Membership and Account Agreement for definitions of “good standing”.
Courtesy Pay is a non-contractual courtesy which is available to individually/jointly owned accounts in good standing for personal or household use. AmeriCU Credit Union reserves the right to limit participation to one account per household and to discontinue this service without prior notice. AmeriCU Credit Union reserves the right not to pay if your account is not kept in good standing. When you request your balance, the Courtesy Pay limit will NOT be included in the balance we provide to you.
