You may opt-out of Courtesy Pay for point of sale transactions at any time by giving us written, electronic or verbal notice. Once we receive your opt-out instructions, point of sale transactions that exceed the available balance in your checking account will be declined. You may also opt out of Courtesy Pay for checks and ACH transactions by giving us written, electronic or verbal instructions.
Once we receive your opt-out instructions, any checks or ACH transactions that are presented for payment will be returned unpaid. If you choose to notify us in writing, you may mail it to our call center at P.O. Box 11349, Birmingham, Alabama 35202 or in person at any America’s First branch location.