What is Courtesy Pay?

Courtesy Pay is a service that may cover checks, ACH withdrawals, debit card transactions, ATM withdrawals, or teller withdrawals when your available balance is not enough. It provides added protection for your Energy One checking account.

Is Courtesy Pay the same as overdraft protection?

Courtesy Pay is different from overdraft protection. If you have overdraft protection set up—such as a linked savings account or line of credit—we will always attempt to use those options first before Courtesy Pay is applied.

How does Courtesy Pay work?

When a transaction is presented against your Energy One checking account, payment may occur in the following order: Available funds in your checking account, Available balance in an overdraft line of credit (if applicable), Overdraft protection transfers from another Energy One account (if applicable), Courtesy Pay, up to a limit of $500 (including fees).

What is an available balance?

Your available balance reflects the amount of money available for transactions after accounting for pending transactions and deposit holds. It may be different from your actual (ledger) balance.

Can I overdraft even if my actual balance looks positive?

Yes. Because pending transactions and holds are subtracted from your available balance, an overdraft or NSF transaction can occur even if your actual balance appears sufficient.

Do I need to apply for Courtesy Pay?

Eligible accounts are automatically enrolled in Courtesy Pay for checks, ACH withdrawals, recurring debit card transactions, and teller withdrawals.

Which checking accounts are eligible?

Courtesy Pay is available to Premier One Checking, Free One Checking, and Business Checking account holders, provided all account signers are at least 18 years old and the account is in good standing.

Digital Wallet

Enjoy all the benefits of your Energy One Federal Credit Union Visa® debit card with digital wallet options like Apple Pay®, Google Pay™, and Samsung Pay®—available at thousands of stores and participating apps.

Table of Contents Item

Digital Wallet Basics

What is a digital wallet?

A digital wallet is a secure app that stores your debit card information digitally, allowing you to pay online or in person using your smartphone or compatible device instead of a physical card.

Which digital wallets work with Energy One debit cards?

Energy One Visa® debit cards can be added to Apple Pay®, Google Pay™, and Samsung Pay® for fast, contactless payments.

Do I need a checking account to use a digital wallet?

Yes. A digital wallet is linked to your Energy One checking account through your Visa® debit card.

‍

Using a Digital Wallet

How do I set up a digital wallet?

Open your digital wallet app and add your Energy One Visa® debit card. Follow the prompts to verify your card and choose it as your default payment option.

How do I pay in-store with a digital wallet?

Look for a contactless payment symbol or your digital wallet’s logo at checkout. Unlock your device, hold it near the terminal, and follow any prompts to complete your purchase.

Can I use a digital wallet for online purchases?

Yes. Digital wallets streamline online checkout, allowing you to pay quickly and securely at participating websites and apps.

Benefits of Digital Wallets

What are the benefits of using a digital wallet?

Digital wallets make everyday banking more convenient by allowing faster checkout, easier online shopping, and reduced need to carry physical cards.

Is using a digital wallet faster than using a debit card?

Often, yes. Digital wallet payments are designed to be quick and efficient, especially for contactless purchases.

Security & Safety

Are digital wallets safe to use?

Yes. Major digital wallet apps use advanced security features like tokenization and biometric authentication, making them very secure—often safer than carrying a physical wallet.

Does my card number get shared with merchants?

No. Digital wallets replace your actual card number with a unique digital token, helping protect your checking account information.

What should I do if my phone is lost or stolen?

You can disable your digital wallet remotely through your device settings or contact Energy One Credit Union for assistance.

Getting Started

How do I start using a digital wallet today?

Make sure you have an Energy One checking account and Visa® debit card, then add your card to Apple Pay®, Google Pay™, or Samsung Pay® and start paying digitally.

Still Have Questions?

Our team is happy to help you get started with digital wallets and online banking.

Join Us

Become a member today.

Get started by opening a free checking account online today.

How Free Checking Can Save You Hundreds Every Year

Energy One Car Loans vs. Dealership Financing: What’s the Difference?