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, but we pay it anyway. ALEC can cover your overdrafts in three different ways:

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

How do I enroll my Debit Card for Courtesy Pay to cover my ATM and Everyday Debit Card Transactions?

If you want to use ATM/Debit card overdraft services, we need to receive your consent. Even in an emergency your transactions will be declined – unless you give us permission to pay everyday debit and ATM withdrawals using our Courtesy Pay Overdraft Services.

Click here to give us your consent.


If you have questions, please visit our Help Center, or contact us for assistance.