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Courtesy Pay is the overdraft protection service on your checking account which pays an item presented for payment against your account- even if it causes the account to become overdrawn. Courtesy Pay will cover overdrafts up to $600 for a fee equal to Maine Family FCU’s current non-sufficient funds (NSF) fee. This is provided to Maine Family members in good standing whose account has been open for 30 days or longer.
Courtesy Pay is not an invitation to overdraw your account, but it is an added layer of safety should you accidentally present items for more than you have in your account, or an inadvertent error that causes the account to be overdrawn. Overdraft protection from savings and/or Overdraft Line of Credit is utilized BEFORE courtesy pay can be used.
POS (point-of-sale) Courtesy Pay is a valuable addition to our standard Courtesy Pay program, which provides coverage for one-time point-of-sale transactions and ATM withdrawals. Picture this scenario: You’re running low on gas or urgently need to purchase medicine for your child. You swipe your card expecting a seamless transaction, only to discover that it’s declined due to insufficient funds in your account. With POS Courtesy Pay, you can have peace of mind knowing that the transaction will be authorized, even if it results in a negative balance.
It is important to note that POS Courtesy Pay is not automatic and requires you to opt in. To enroll in POS Courtesy Pay, please call us at 207-783-2071 or toll-free at 1-800-783-2071 or visit one of our branch locations.
If you have any inquiries about our overdraft protection services or need further assistance, please reach out to Member Services at 207-783-2071. Your financial well-being is our priority, and we’re here to help you navigate your banking needs.
The entire team is great and very accommodating. I’ve never had an interaction with a teller that left me feeling uncomfortable or not valued. They really are a great team.Gabriel J.
Anytime I have questions about my loan, the lending team is there to help me, this is the only bank account I have and I don't see myself leaving anytime soon.Tyler G.
I've been with Maine Family for a long time, you guys are always there for me and have been a great support while trying to build my credit. You treat me fairly and make me feel comfortable in sharing my story.Edward F.
My experience with getting a loan was super easy, Danielle made the process smooth and was extremely professional and responsive to correspondence. I enjoyed the experience so much I sent my girlfriend to Maine Family recently to get an auto loan through Danielle as well. She's a great employee!Michael L.
Maine Family Federal Credit Union has been an outstanding financial partner. Their rates are some of the best around, whether you’re looking for a loan, savings account, or mortgage. The staff is always friendly, knowledgeable, and genuinely helpful—they take the time to explain your options and make sure you’re getting the best fit for your needs. It’s refreshing to work with a team that truly cares about their members. Highly recommend!Chris H.
My husband and I have been using Maine Family FCU for over 20 years. We have trusted them with all our banking needs in the course of those years and have been very pleased with the customer service we have received. Over the past several months, we have reached out to different departments and have been given such amazing customer service. Their service has been so remarkable that we have now started our family’s next generation with all of their banking needs with Maine Family FCU with our continued trust in them!Kacey
My family has been using this credit union for 3 generations now. Great customer service and just really really helpful staff. Working with them is always a pleasure. They truly want the best for their members. Thank you Maine Family!Emily F.
I cannot say enough great things about the staff!!!! Always so helpful, knowable, upbeat and friendly. Kudos to all of you. I appreciate you!!!Joyce S.
We are longtime members with the credit union. We've always had a great experience with the lending department and all other staff members. They are a great group of people. Very friendly! We will always bank and do our business there.Donald G.
I have nothing but high praise for the staff at the Auburn branch of MFFCU. For over 17 years I have been a loyal member. Any time I (or my son) have needed assistance from the loan department both you and Sue M. have been extremely helpful and friendly. I look forward to many more years as a member.Thomas F.
