What is Courtesy Pay Protection?*

Courtesy Pay Protection is a service offered to our checking account members to cover those unanticipated expenses or unforeseen problems that can leave you with too little cash in your account. Having a Visa Check Card or ATM transaction declined due to insufficient funds can be a costly, inconvenient and possibly embarrassing experience.

This is why First New York offers the Courtesy Pay Protection as a safety net for our members when that occasional miscalculation of your checking account balance occurs. Courtesy Pay is a way for us to provide a higher level of service to our members by helping protect your account and reputation before an overdraft occurs.

First New York’s Courtesy Pay overdraft service requires no application or credit check but, due to banking regulations, we do require that you "Opt-In" to this service.

Click Here and you will be able to "Opt-In" to our Courtesy Pay Protection which, if you are eligible, authorizes us to pay overdrafts on your ATM and everyday debit card purchases. This program lets you stop worrying about an overdraft happening to you.

*Fees may apply if service is used. View our Courtesy Pay disclosure.