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Accounts & Services
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 Debit 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. Fees may apply if the service is used. View our Courtesy Pay disclosure.