Courtesy Pay

When life happens, we’ll have your back. If you’re low on funds and need to pay a bill, our Courtesy Pay program is designed to help you out. When you become a Suncoast member you are automatically enrolled in Courtesy Pay to ensure your payments are always protected.

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Eliminate embarrassment by protecting your transactions

Automatically opted in after 90 days of membership

Automated process for peace of mind

What is Courtesy Pay?

If your checking account qualifies, Suncoast will pay a limited number and type of items (checks, ACH transactions, bill pay transactions, and person-to-person P2P payments) and bring your account balance below $0 when the checking account would not otherwise have enough money to pay those items. We’ll notify you by mail or e-notice (based on your account preferences) when your account has been brought to a negative balance to pay item(s). Then, you’ll need to bring your account to a positive balance within 30 days. You can also opt-in for debit card purchases to be included in the items we pay with Courtesy Pay.

Courtesy Pay FAQs

Can I Opt-Out?

Am I automatically enrolled in for Courtesy Pay?

What transaction types can Courtesy Pay cover?

How many days do I have to bring my account back to positive before having my account flagged?

What is the difference between courtesy pay and overdraft protection?

Courtesy pay is available on checks and other transactions made using a checking account, automatic bill payments, person to person or account to account payments. While overdraft protection is only available for Smart Checking accounts when a check or debit is presented for more than the available balance. Courtesy pay is an automatic benefit for members after 90 days of membership, while overdrafts for debit card transactions are not authorized and paid unless you opt in for overdraft protection.