Protect your account from costly overdraft fees using Courtesy Pay.

Avoid problems when your checking account is short on money due to:

  • An accounting or payment error
  • Emergency
  • Timing of a deposit or transaction hold

With Courtesy Pay, enjoy these benefits1:

  • Peace of mind — you're covered!
  • Convenience
  • Avoid hassles
  • Resolve payment problems quicker 

How it works:

Courtesy Pay allows us to pay an item presented for payment against a checking account even if it causes the account to become overdrawn. Evergreen is not obligated to make any overdraft payments; however, if other overdraft protection methods are established, such as a line of credit or automatic transfer from other accounts, we will always look to pay any overdraft by those other methods before paying an overdraft utilizing Courtesy Pay. Please note that Evergreen charges a $32.00 fee whenever an overdraft occurs.1 

For more details about Courtesy Pay:

Contact Member Services at (207) 221-5000.
Email us: [email protected] 2
Visit one of our four branches.


1ECU will only offer this program to individual and business members “in good standing.” To be considered “in good standing,” the following qualifications must be met: a. Account must be open for 90 days b. Bringing the negative account balance to a positive within thirty (30) days c. Not being in default on any loan or other obligation to ECU d. Not being subject to any legal or administrative order or levy, including garnishment and bankruptcy e. Authorized signer must be at least 18 years of age f. Account may not be dormant g. The member’s address on the account must be valid

2Personal information, such as social security numbers, account numbers, and other sensitive data, should not be included in your message.