RBFCU overdraft fee
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RBFCU prints a $24 Courtesy Pay fee when it pays an overdraft for a transaction over $5, and a $24 insufficient funds fee when it returns an item over $5. The two fees together are capped at five a day. The wider table is US overdraft fees by bank.
Last updated: October 21, 2026
Last checked: Oct 2026
The $24 fees
Opened 21 October 2026. The sentences are in the RBFCU overdraft protection PDF, revision M161AA R 03-01-26. Courtesy Pay: "We will charge you a $24 Courtesy Pay Fee each time we pay an overdraft for transactions over $5." The next limit is five total Courtesy Pay and Insufficient Funds Fees combined. "A Courtesy Pay Fee will not be charged if the overdrawn balance is less than $5 after end of day processing."
Insufficient funds: "We will charge you a $24 Insufficient Funds Fee for each item presented for payment over $5 that we return unpaid." RBFCU does not charge a fee if the same item is re-presented and returned unpaid. It does not charge a fee for declined debit card transactions. The five-fee combined cap is repeated on that paragraph.
Transfers from a linked RBFCU savings account or line of credit have no fee. The PDF says transfers are in $100 increments or up to the available balance, and a line of credit advance starts interest. The phone on that page is 210-945-3300.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What RBFCU prints |
|---|---|
| Courtesy Pay, transaction over $5 | $24 |
| Courtesy Pay, balance under $5 at end of day | No fee |
| Insufficient funds return, item over $5 | $24 |
| Same item returned again | No fee |
| Declined debit card | No fee |
| Combined daily cap | Five Courtesy Pay and insufficient funds fees |
| Transfer from a linked account | No fee |
Two different $5 sentences
One sentence is about the transaction: Courtesy Pay applies when RBFCU pays an overdraft for transactions over $5. The other is about the balance after processing: no Courtesy Pay fee if the overdrawn balance is less than $5 after end of day processing. The insufficient funds sentence uses "over $5" for the item that is returned. This page quotes each sentence and does not merge them.
Questions
- How much is an RBFCU Courtesy Pay fee?
- The overdraft PDF prints $24 each time RBFCU pays an overdraft for transactions over $5.
- How much is an RBFCU insufficient funds fee?
- The same PDF prints $24 for each item presented for payment over $5 that RBFCU returns unpaid.
- How many RBFCU overdraft fees can post in one day?
- The PDF limits the total of Courtesy Pay and Insufficient Funds Fees combined to five.
Sources
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