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 can opt out of Courtesy Pay at any time by contacting us. You cannot use Courtesy Pay for ATM withdrawals. Contact us to determine the best overdraft option for you.

When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. We will limit to 5 the total number of Courtesy Pay Fees and Insufficient Funds Fees charged on any one calendar day. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible. Citadel will close and charge off overdrawn member deposit accounts that have a negative balance for more than 60 days. For the purpose of making the decision to pay or return a check or ACH transaction and to charge a fee, we treat each original presentment and representment as an individual transaction. Any fees charged will count against your Courtesy Pay limit. See the General Terms Applicable to All Accounts in the Membership Agreement and Disclosures for details on how we process insufficient funds and overdraft items.