This service allows you to overdraw your checking account without having items returned unpaid. Qualified checking accounts are given a limit to which the account can be overdrawn (including Courtesy Pay fees). Qualified accounts will automatically receive this service for the clearing of checks used for the payment of goods and services and the processing of ACH transactions.*

We need your permission to extend courtesy pay privileges to cover debit card withdrawals at ATM locations & Point-of-Sale transactions. Without your permission, any overdrawn purchases made with your debit card, or ATM withdrawals exceeding your available balance, will be DECLINED.*

* Account must be open for 30 days prior to activation of this service.


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What fees will I be charged if Empower Federal Credit Union pays my overdraft?
We will charge you a fee of up to $25 each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account.

What do you want out of life?

Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loans, mortgages*, credit cards and more. Bank online, in any central NY branch, or call us at 315.477.2200.

* Home mortgages available in FL, PA, CT, NY and NC.