You will receive confirmation of your opt-in choice via the e-mail address you have provided. You may revoke your opt-in that authorizes Family First Federal Credit Union to pay overdrafts on your everyday debit card transactions at any time by writing us or calling us at 585.586.8225 or 800.356.1101.

If you have more than one account number, you will need to log-in and fill out this form for each one.

For more information on opting-in, please click here for our Frequently Asked Questions.

What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction. When you use a Family First Courtesy Pay service, Family First will pay the transaction. We offer a variety of options for Courtesy Pay and overdraft services to fit your financial lifestyle.

What overdraft protection options are available to me?

• Standard Courtesy Pay is automatically available to members in good standing and authorizes Family First to pay overdrafts for checks, ACH transactions (such as automatic car or mortgage payments) and automatic bill payments up to $500. With this program, we DO NOT authorize and pay overdrafts for everyday debit card transactions.
• Enhanced Courtesy Pay Program allows Family First to authorize and pay everyday debit card transactions, in addition to other transactions covered by our Standard Courtesy Pay. This service, combined with our standard courtesy pay service, provides up to a total of $500 of overdraft protection. Members MUST opt-in to use this service.
• We also offer other overdraft protection services, which may be less expensive options, such as a link to a savings account or a MoneyLine line of credit. To discuss what is best for you call us at 585.586.8225 or 1-800-356-1101 and talk to a Financial Service Representative.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

There is no cost to enroll in this program. You will be charged a fee for each overdrawn item that we pay. Under our overdraft programs:

• A fee of $30.00 will be charged each time an overdraft is paid. For example, if three overdrafts are paid on a single day, it will result in three separate Courtesy Pay fees. These will be reflected on your monthly checking account statement.
• If a transaction is paid that brings your account $5 negative or less, you will not be charged a Courtesy Pay fee.
• If the account is overdrawn for 20 or more consecutive days an additional $30 negative balance fee will be charged and overdraft privileges will be suspended.
• There is no limit on the total fees charged for overdrawing your account.