McCone County Federal Credit Union offers Courtesy Pay to qualified share draft account holders.  If qualified, you will be enrolled automatically.  The program provides protections to you in the event that your account becomes overdrawn.  If you are approved for Courtesy Pay, MCFCU will clear the item for a fee and help you to avoid the hassle of a payment being returned to a merchant for non-sufficient funds.  Keep in mind that ATM and Debit transactions require you to “opt-in” (please contact us for a form) before they will be covered by Courtesy Pay.  If you have authorized automatic overdraft transfers from a share account or line of credit for a transfer fee, those transfers will occur before any Courtesy Pay privileges/fees are put in to use.  Please contact a member of the Credit Union staff if you have questions about how the Courtesy Pay program works.