Citadel Courtesy Pay Disclosures

This notice refers to our Courtesy Pay program:

Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions:

• Checks
• ACH withdrawals
• Bill Payer payments
• Recurring debit card transactions (e.g., monthly payments debited from your account)

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 pay an overdraft, your transaction will be declined and not paid.

If you want to use Courtesy Pay to pay overdrafts for one time, everyday debit card transactions (e.g. Starbucks®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by:

• Complete the opt-in form in Online Banking by selecting ‘Overdraft Protection’ from the 3 dot menu in desktop or from the ‘More’ section of the menu in mobile, and then selecting ‘Courtesy Pay’. You will need to utilize switch accounts to access checking accounts that are not your main account.
• Visiting any Citadel Branch Location
• Calling Citadel toll free at (800)-666-0191

You cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals.

When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. There is no limit on the amount of total fees we can charge you for overdrafting your account. Any fees charged will count against your Courtesy Pay limit. For information on Citadel's check clearing policies, please contact us at (800)-666-0191. You can opt out of Courtesy Pay at any time. Please visit any branch, or contact us at the toll free number above.

Citadel will close and charge off overdrawn member deposit accounts that have had a negative balance for more than 60 days.