ECU Courtesy Pay is an overdraft service associated with your Education Credit Union $mart Checking account. Courtesy Pay is activated when there are not sufficient funds in your account to cover an item presented for payment. In the case of insufficient funds, the account will be charged either a Courtesy Pay fee or a Non-Sufficient Funds fee—one fee, per overdraft, per day. Courtesy Pay is only available to eligible checking accounts. Contact us for more details. For additional information, please refer to the Membership Booklet.