What are the fees for overdraft protection and Courtesy Pay?

We offer two types of transactions and fees for overdrawing your account:

Overdraft

Overdraft Protection is a service that is on every HRCCU checking account at the time of account opening. This protection will pull money from your savings account to cover a transaction in the checking account with insufficient funds.

HRCCU charges a $2 service fee nightly, for every day your account is overdrafted.

There is no limit on the total fees we can charge you for overdrawing your account. This is reset at the beginning of every month.

Courtesy Pay

Courtesy Pay is a service offered by HRCCU that allows you to draw your checking account into the negative to cover a check or electronic payment if you qualify.

HRCCU will cover up to $500 in overdrawn transactions through Courtesy Pay. However, you will be charged a fee of $28 per transaction.

There is a limit of four (4) fees per transaction type per day.

Need further assistance? You can also call us at 518-886-3400 for support during normal business hours.

Current Rates

Auto Loans
APR as low as
5.50%
Fixed Rate 36 Month
Mortgages
APR as low as
6.00%
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
5.95%
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
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