Have you ever had a check to bounce and had to suffer the embarrassment of having to pay late fees, NSF fees, and possibly your credit being affected? Suffer the embarrassment no more! APFCU offers a service to its members called "Courtesy Pay". This service is an additional option given to our members as a way to avoid returned checks. While overdrafts are never encouraged, "Courtesy Pay" provides an extra level of protection against unanticipated cash flow emergencies or account reconciliation errors.