Overdraft Protection

Overdraft Protection
Stop throwing your money out of the window. You do not have to worry about returned checks or non-sufficient fund fees anymore. Protect your money and your account today with Overdraft Protection.

· Automatic transfer from your Regular Share Account, Money Market Account, or Metro 1 Visa® Credit Card Account.***

($5 Overdraft Transfer Fee. Minimum transfer amount: $50 from Regular Shares or Capital Cash; $100 from VISA. For more disclosure information, e-mail the Credit Union to send you an Account Agreement and Truth-In-Savings Disclosure and Electronic Services Disclosure and Agreement.)

For more information about Metro 1 Checking Plans, contact our Call Center at

(925) 682-6650 or 1-800-435-4040.

*Free, Interest, and Business Checking Accounts as well as Visa® ATM/Check Card eligibility subject to ChexSystems and Credit Report ratings.

**The Dividend Rate and annual Percentage Yields (APY) may change daily on Metro Checking Accounts. Rates and Annual Percentage Yields (APYs) are determined by the Credit Union’s Board of Directors. For specific dividend rate(s) for each type of dividend bearing account, please refer to the Current Rate sheet, which can be accessed on the Credit Union’s website at www.metro1cu.org. To have the Current rate sheet mailed to you, please contact the Call Center at (925) 682-6650 or (800) 435-4040. Dividends on Metro checking accounts are compounded monthly and will be credited monthly. The dividend period for these accounts is monthly; for example, the beginning date of the first dividend period for the calendar year is January 1^st and the ending date is January 31^st. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example of January 31^st. If the account is closed before dividends are credited, the account will not receive the accrued dividends. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the account each day.

***Automatic transfer incurs an overdraft fee. See Schedule of fees & Service Charges. $50 minimum transfer from Regular Share Account or Money Market Account. $100 minimum per transfer from your Visa® Credit Card, upon credit approval.

†Other financial institution ATMs may impose a surcharge (Metro 1 imposes a $1.00 Foreign ATM Transaction Fee for Interest and Business Checking accounts only).

NOTE: Rates and policies are subject to change. Please read the Account Agreement, Truth-In-Savings Disclosure and Electronic Services Disclosure and Agreement, and Fee Schedule for regulations and changes regarding each account.