Privilege Pay saves you the extra hassles of dealing with a denied transaction by covering checks, ACHs and bill payments for eligible accounts when you do not have sufficient funds in your checking account1. If you choose to use Privilege Pay for an emergency need, we suggest writing a single check for the funds you need, in order to minimize the fees that you incur. There is a $29 fee per transaction. This service will automatically be added to eligible checking accounts (not everyone will qualify). If you would like Privilege Pay to also cover every day ATM/debit card transactions or prefer not to have any Privilege Pay coverage, log into Digital Banking, choose “Privilege Pay” from the “Tools” menu, and select your preferences.