We've got you covered.

(But only if you allow us.)

We understand that mistakes sometimes happen when using your ATM and Debit Card. That is why we offer you an added layer of protection, called Courtesy Pay, on your checking account. However, due to recent changes in government regulations, we can only offer Courtesy Pay if you sign up for it. Courtesy Pay offers you the security of knowing that your transaction will be processed and not declined at the checkout counter leaving you embarrassed. And who wants that?

There are three quick (and easy) ways to opt in:

1. Click here, then print the authorization form, fill it out and mail it to:
Innovations FCU
Attn: Electronic Services
P.O. Box 15529
Panama City, FL 32406

Or you can fax this form to:
850.233.4445

2. Stop by any Innovations branch:
Visit the Innovations branch most convenient to you and authorize your opt-in with one of our Financial Service Representatives.

3. Authorize your opt-in by telephone when you call this number:
850.249.1149

Don't wait. Opt in to Courtesy Pay today to keep your accounts protected.

Member NCUA Institution • sparkingchange.com