We’ve been alerted to fraudulent text messages and phone calls impersonating North Coast’s Fraud Department inquiring about a scheduled transfer and then requesting personal and account information. Please refrain from responding to such requests. If you receive suspicious messages or have any inquiries contact us directly at 800-696-8830. Your vigilance dealing with these scammers is crucial in safeguarding your personal information.

Courtesy Pay

If you need a little help, use your North Coast Courtesy Pay. Opt in when you get your checking account or by completing the Courtesy pay form listed at the bottom of this page.

Cover overdrafts up to 35 Days

We cover overdrafts from:

  • Checking Accounts
  • In Person withdrawals
  • Electronic fund transfers
  • Automatic bill payments

Per use fee is $25.

Per use fee is $10 with FREE Smart Benefits.

Opt in or out of Courtesy Pay by using the form below, calling us or by visiting your neighborhood branch.

Additional Courtesy Pay

You may also ask that your Courtesy Pay covers:

  • ATM Transactions
  • Everyday debit card transaction    

Opt in or out of Courtesy Pay by using the form below, by calling us or by visiting your neighborhood branch.

When you use Courtesy Pay

Each time you use Courtesy Pay you agree:

  • Pay $25 fee for each overdraft (or $10 with FREE Smart Checking Benefits)
  • Bring your account to a positive balance within 35 days.

Save Courtesy Pay Fees 

Save on Courtesy Pay fees when you cover overdrafts with a Savings Account or Line of Credit:

  • Requires linking accounts prior to overdraft
  • Per use fee is $5

We pay overdrafts at our discretion which means we do not guarantee we will always authorize and pay any type of transaction.

We reserve the right to revoke or suspend Courtesy Pay Services at any time.

We reserve the right to recapture repayments for overdrafts from any type of funds deposited.