Basic Checking

^*We recognize that sometimes you may overdraw your checking account. In such cases, we may honor items for insufficient funds. We provide Courtesy Pay as an accommodation to members and are not obligated to do so, even if we have previously done so. You do not apply for this service. Bounce Guard has a limit of $750. Bounce Guard is not available on Access/Youth Checking Accounts. See the Credit Union’s Fee Schedule for fees associated with Bounce Guard (subject to change). To be eligible for Courtesy Pay, you must be a member in good standing and not have a negative balance with the Credit Union or with a credit reporting agency. By participating in the program, we may honor overdrafts, including: Checks; ACH debits; ATM transactions and point of sale (POS)transactions; Recurring Debit Card transactions; and one-time Debit Card transactions.
We need your affirmative consent (opt-in) to approve your overdrafts for ATM/POS and one-time Debit card transactions. You must tell us you want overdraft coverage for these transactions. Exceptions may be made at our discretion and as permitted by law.
To request overdraft coverage for ATM and one-time Debit card transactions, contact us at 619-297-4835 or write P.O. Box 719099, San Diego, CA 92171-9099. You may complete and sign the Enrollment Form provided at account opening or upon request. Return the form to any branch location or mail it to us at the above address. We will provide you with written confirmation of your affirmative consent. For full terms and conditions, see Disclosure of Account Information & Membership Agreement.
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