KALSEE offers several options for payment of overdrafted checking account items:
Whether you need a little help when money is tight or the reassurance that we’ve got you covered in case of an error in your budgeting, Courtesy Pay allows us to honor your check, ACH, and electronic funds transfer transactions which exceed the available balance in your checking account, up to a total of $750.00. You then have up to 30 days to repay the insufficient balance.
Your checking account comes with Courtesy Pay for check, ACH, and electronic funds transfer transactions (though you must meet qualifications and can choose to opt out). You may also choose to add Courtesy Pay for your debit and ATM transactions (without opting in to Courtesy Pay for debit and ATM, your overdrafted debit and ATM transactions will be declined). And if you don’t use it, it doesn’t cost anything.
Overdraft Transfer from Savings
You may also choose to set up an overdraft transfer from your savings account. If a check, ACH, or electronic funds transfer overdrafts your account, funds will automatically be moved from your savings to cover the transaction.
Non-Sufficient Funds Fee
If you are opted out of Courtesy Pay and bounce a check, ACH, or electronic funds transfer item, the transaction is denied or the check is returned, and a Non-Sufficient Funds (NSF) fee assessed.