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Rise. We've got you covered with Courtesy Pay Forgiveness.

We've Got You Covered with Courtesy Pay Forgiveness

As a Rise Youth & Young Adult Savings Account holder, you may qualify for one Courtesy Pay fee refund per quarter on a CapEd checking account. As an exclusive Rise account feature, at the end of each quarter (March, June, September, and December), an automatic refund will be applied directly to your checking account if you experience an overdraft resulting in a Courtesy Pay fee. This is a form of overdraft protection, and we're happy to cover it as one of the financial services to help our youngest members learn to manage money.

Let's answer a couple common questions first:

When you have an overdraft on your savings account, checking account, or any other type of financial account, it means you've tried to take out more money than your account currently has available to spend.

A Courtesy Pay fee occurs when you don't have enough money available in your account to cover a transaction, but CapEd pays it anyway so you can get the product or service you need. To qualify, you must be at least 18 years old and have an active checking account in good standing. CapEd Credit Union offers two different fee options: Standard Courtesy Pay and Extended Courtesy Pay.

Standard Courtesy Pay

Standard Courtesy Pay covers overdrafts caused by:

  • Paying by check
  • Automatic account withdrawals
  • Bill Pay transactions
  • Recurring debit card transactions

Extended Courtesy Pay

Extended Courtesy Pay requires your consent. This extended privilege covers overdrafts caused by all items listed for Standard Courtesy Pay, and everyday debit card transactions.

How to Opt In or Out of Courtesy Pay

Opt Out of Courtesy Pay

If you wish to opt out of Standard Courtesy Pay or Extended Courtesy Pay, contact (208) 884-0150 or (800) 223-7283, or you can send us an email.

Opt In to Courtesy Pay

If you would like to opt-in to Extended Coverage for future transactions, log in to eBanking, go to the Tools tab, select Member Services and then select Courtesy Pay. Here you can then set your account(s) to YES for Extended Courtesy Pay. You can also contact us at (208) 884-0150 or (800) 223-7283, or you can send us an email to edit any of your Courtesy Pay settings.

Woman smiling and checking account information on a phone.

How Can I Avoid Courtesy Pay Fees?

  1. Track your Actual Balance and Available Balance in your Savings Account

    Keep an eye on both your actual account balance and available balance. The actual balance is the amount of money in your account at any given time, while the available balance reflects how much you can spend, considering deposits and pending payments. If you spend more money than you have as sufficient funds in your available balance, you will overdraft your account.

  2. Download the CapEd Mobile Banking App!

    Download the CapEd Mobile Banking App to access your account conveniently on your phone and view your balance.

  3. Set up eBanking Alert Notifications

    You can personalize your account notifications for multiple alerts of your choosing. The Balance and Insufficient Funds alerts are especially helpful for managing your money.

    To set up these alerts, log into eBanking on a mobile device or desktop. Opens in new tab. Under Tools in the navigation menu, select Alerts and then select Accounts. You will see a list of account alerts you may toggle on and off. For each alert, you have 3 different delivery options, including SMS, Email, or Push Notifications. Make your selections, then save your preferences and you're done!

Budgeting Resources

At CapEd, we're committed to supporting healthy financial well-being for our members. We offer many free resources to keep you educated and in the know!

Below you'll find just some of the resources we provide to help you with budgeting, financial education, loan calculation, and more—which can all help keep Courtesy Pay Fees out of your transaction history.

Scale showing good or bad credit score.

Credit Score - The Savvy Money credit score widget in CapEd Online Banking lets you view your credit score for free. Not only can you see what is currently impacting your score, it also offers many resources, articles, simulations, and offers that can help improve your score.

Calculator with various buttons.

Budgeting Calculators - Don't let your monthly finances be a surprise. Use our helpful budgeting and savings calculators to plan for a positive financial future. Keep track of your monthly income and expenditures, find out how long it will take to reach a savings goal, or make sure you've got your student budget planned and accounted for.

Teacher giving a presentation.

Educational Videos - With It's A Money Thing financial education resources, you can explore video and graphical content on a wide variety of financial wellness topics from building a budget to saving for retirement. There's something for everybody! More of a textbook learner? We also provide downloadable documents and presentations for each topic.

Stack of dollar bills.

Loan Options - CapEd offers a variety of loans to cover any financial needs. You can view our variety of loan options including personal loans for unexpected expenses or student loans to help cover higher education costs. Our Loan Calculators even help you to plan out potential expenses and payment plans.


You are always welcome to reach out to us with financial questions. Chat with a friendly CapEd Credit Union Representative online about your Rise Youth & Young Adult Savings account or any other account using CapEd's Let's Talk live chat, text or call us at (208) 884-0150 during business hours, or any of the other contact methods on our Contact Us page.