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Bounce Guard Program

The Credit Union recognizes that sometimes you may overdraw your share draft/checking account. In such cases the Credit Union may decide to honor drafts for which there are insufficient funds. This is the Credit Union's Bounce Guard Program. The Credit Union provides the Bounce Guard Program as an accommodation to you and is not obligated to do so, even when it has done so in the past. You do not apply for this service.

The Credit Union may honor overdrafts, including share draft/checks, automated debits (ACH), and other electronic means so long as the member is in good standing, and does not have a negative record with ChexSystems, INC. When an overdraft is covered, the account will be taken negative by the dollar amount of the overdraft plus the amount of the Bounce Guard fee. If we honor multiple overdrafts we may honor them in any order at the Credit Union's option or return any such items. The Bounce Guard overdraft service is available to qualified members maintaining a Metro Basic Checking Account, Metro Dividend Checking Account, or Metro Rewards Checking Account. The following Bounce Guard Program limits for each account type are:

  • Metro Basic Checking, the Bounce Guard limit will be $500
  • Metro Dividend Checking, the Bounce Guard limit will be $500
  • Metro Rewards Checking, the Bounce Guard limit will be $750

When the Credit Union honors overdraft items, you must deposit funds immediately, but in no case more than thirty (30) days from the date of the notice sent to you. If you fail to cover the total overdraft amount within thirty (30) days, the Credit Union may pursue all collection options available to it. The Credit Union may, but is not obligated to, transfer funds from your other accounts with us to cover the overdraft.

The Bounce Guard Program fee is a flat fee of $29.00 charged regardless of the amount the account is overdrawn and will be charged for each overdraft item presented and paid by the Credit Union. The Credit Union will send you a notice for each item covered by the Bounce Guard Service.

Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we may not pay overdrafts if your acount is not in good standing, you are not making regular deposits, you have too many overdrafts, or your account has been overdrawn for an extended period of time. The Credit Union encourages you to properly maintain your accounts with us. You agree that the Credit Union will not be held liable for either paying or refusing to pay any overdraft item.

The Bounce Guard Program service is a discretionary privilege offered to members and not a right of membership. The Credit Union reserves the right to discontinue this service at any time without any notice. If you do not want the Bounce Guard Program, you must inform the Credit Union by using any of the following methods: in person; sending written notice to the Credit Union; or by telephoning us at 619.297.4835. Your notice should be directed to San Diego Metropolitan Credit Union, P.O.Box 719099, San Diego, CA 92171-9099.

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  • Contact our Phone Branch Representatives assistance at 619.297.4835.
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