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Updated August 2026.
How much is FourLeaf (formerly Bethpage) Federal Credit Union’s overdraft fee? Bethpage Federal Credit Union rebranded to FourLeaf Federal Credit Union in 2025. Under Courtesy Pay, FourLeaf charges $30 when it pays a check or other account-number transaction into overdraft, and $10 when it pays a recurring debit card payment or (if you opt in) an everyday debit card purchase. There is no fee on covered transactions of $20 or less. ATM withdrawals and FourLeaf Online Banking Bill Pay are never paid into overdraft.
| FourLeaf FCU overdraft, at a glance | What it means |
|---|---|
| Institution name | FourLeaf Federal Credit Union, formerly Bethpage Federal Credit Union (renamed 2025) |
| Check / account-number overdraft | $30 per item when paid into overdraft |
| Recurring debit card overdraft | $10 per item when paid into overdraft |
| Everyday debit card (opt-in) | $10 per item when paid into overdraft |
| No-fee cushion | No fee on covered transactions of $20 or less |
| Daily combined fee cap | Up to $70 per day (one Insufficient Funds, one Uncollected Funds, and one POS Courtesy Pay Usage fee) |
| ATM and Online Bill Pay | Never paid into overdraft; declined if funds are short |
| Standard practice eligibility | Checks and recurring debit payments after the account has been open 6 months |
Fees verified August 28, 2026 from FourLeaf’s Courtesy Pay Summary and Courtesy Pay Overdraft Policy disclosure.
Bethpage is now FourLeaf
Bethpage Federal Credit Union, the largest credit union in the Northeast, rebranded as FourLeaf Federal Credit Union starting in early 2025. It is the same institution, same charter, same membership base, just a new name and logo. If you are searching for Bethpage’s overdraft policy, the figures below are current under the FourLeaf name.
How FourLeaf’s Courtesy Pay works
Courtesy Pay is FourLeaf’s standard overdraft practice. After your checking account has been open 6 months, FourLeaf may pay checks, recurring debit card payments, and other transactions made using your checking account number into overdraft. The fee is $30 for a check or other account-number transaction, and $10 for a recurring debit card payment. Everyday (one-time) debit card purchases are only covered if you opt in, also at $10. Covered transactions of $20 or less do not get a Courtesy Pay fee.
The daily fee cap
FourLeaf limits fees to one per day for each of three categories: Insufficient Funds Charge, Uncollected Funds Charge, and Point of Sale Courtesy Pay Usage Fee. Combined, that is a maximum of $70 per account per day.
ATM withdrawals and Online Bill Pay
FourLeaf does not authorize ATM withdrawals or FourLeaf Online Banking Bill Pay into overdraft. If available funds are short, those requests are declined.
How FourLeaf FCU compares to the average U.S. bank
Bankrate’s 2025 checking account and ATM fee study found the average overdraft fee across U.S. banks is $26.77 and the average NSF (non-sufficient funds) fee is $16.82. 61% of accounts surveyed still charge an overdraft fee at all, and 66% offer some kind of grace period or no-fee cushion before charging one.
| Category | FourLeaf FCU |
|---|---|
| Overdraft fee vs. $26.77 average | $30 on checks/account-number items; $10 on debit Courtesy Pay. Check fee is near the $26.77 average |
| NSF fee vs. $16.82 average | Combined into the Courtesy Pay structure |
How to avoid overdraft fees and mistakes
- Stay under the $20 no-fee threshold when you can, on checks, recurring debit, and everyday debit.
- Skip the everyday debit card opt-in if you would rather have a purchase declined than pay $10.
- Link a FourLeaf savings account for Overdraft Protection, a separate service from Courtesy Pay.
- Watch your Total Balance, not just Available Balance, since a sufficient Total Balance can avoid a fee even when Available Balance looks negative.
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How this compares to other banks
Here is how this account lines up against a few named banks we track, using each bank’s own current fee schedule.
| Bank (typical account) | Overdraft fee | No-fee cushion |
|---|---|---|
| FourLeaf FCU (formerly Bethpage) | $30 checks; $10 debit | $20 no-fee threshold; $70/day cap |
| Navy Federal Credit Union | $20, max 1/day | $50 end-of-day cushion; $20 item floor |
| Huntington (Asterisk-Free) | $15, up to 3/day | $50 Safety Zone + 24-Hour Grace |
| Chase (Total Checking) | $34, up to 3/day | $50 buffer + Overdraft Assist |
| Ally Bank (Spending Account) | $0, none charged | No cap needed |
See fee details for more banks in our overdraft fees by bank comparison page.
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FAQ
Is Bethpage Federal Credit Union still around?
Yes, but it renamed itself FourLeaf Federal Credit Union starting in early 2025. Same institution, same membership, new name and logo.
How much is FourLeaf’s overdraft fee?
$30 when FourLeaf pays a check or other account-number transaction into overdraft, and $10 for a recurring debit card payment or an opted-in everyday debit card purchase. Covered transactions of $20 or less do not get a fee.
Is there a cushion before FourLeaf charges an overdraft fee?
Yes. No Courtesy Pay fee applies to covered transactions of $20 or less.
What is the maximum FourLeaf can charge in overdraft-related fees per day?
Up to $70 per day, combining one Insufficient Funds, one Uncollected Funds, and one POS Courtesy Pay Usage fee.
Can FourLeaf overdraft my ATM withdrawal?
No. ATM withdrawals and FourLeaf Online Banking Bill Pay are never covered by Courtesy Pay.
Do new FourLeaf members get Courtesy Pay coverage right away?
Checks and recurring debit card payments are considered for Courtesy Pay after the account has been open for 6 months.
