LEXINGTON, Ky.-Regulation E may pose a threat to courtesy pay revenue, but it also had a strange side-effect at Metro Employees CU.

"Reg E forced us to turn on courtesy pay and go to real-time processing for our ATM debit card program," said Piper Graham, MECU president. That's because MECU didn't offer an ATM courtesy pay option, yet members had become accustomed to a "courtesy pay program" of their own invention. Members would withdraw the same funds twice, once at the branch and then again, minutes later, at the ATM.

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