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Metro Checking features
- No minimum balance requirement or monthly fee.
- UNLIMITED ATM fee refunds.*
- 3.00% APY** on your Membership Savings Account.
- Earn rewards points for using your account - and redeem for cash in Metro iBanking!
- No insufficient funds fees and flexible overdraft options.***
- Deposits 100% insured with no limit.
New members can open an account by clicking below:
Ready to switch?
We make it easy for you! Once you open Metro Checking, we'll email you our New Account Guide, which takes you through a quick and streamlined process to update payment information, move your direct deposit, and set up online banking.
Plus- if you open an new Metro Checking account and enroll in Metro Rewards by 9.30.24, you'll get 2,500 Metro Rewards Points to use!
Want to learn more? Check our Metro Checking FAQs below.
Already a Metro Member?
1. Log in to your Metro iBanking account.
2. Click "Open an Account" in the navigation.
3. Follow the on-screen instructions to open yours today!
To log in to your Metro iBanking account and be automatically redirected to the "Open an Account" tab:
Enroll in Metro Rewards
Earn points for everyday banking activities like direct deposits, debit card usage, and bill payments.
Learn MoreQuestions? We have answers.
*Provided you meet three of the following criteria each month, you may be eligible for unlimited ATM fee refunds: eCommunications Opt-In; Direct Deposit of at least $500.00 per month into your Metro Checking Account; Debit Card purchases at least 5 times per month (each transaction must be for $1.00 or more); Active Metro loan or Metro credit card; Average monthly balance greater than $5,000 in your Metro Checking Account.
**Annual Percentage Yield as of 7/1/2024. $5.00 minimum deposit to open. One Membership Savings per person. With a qualifying Metro Checking account, 3.00% APY will be paid on the balance in your savings account up to $3,000.00. A dividend rate of 0.10% will be paid on the remaining balance in your account that exceeds $3,000.00. For example a $3,000.01 balance in your account will earn 3.00% APY and a $4,000.00 balance in your account will earn a blended 2.28% APY. Membership Savings accounts without a qualifying Metro Checking earn a dividend rate of 0.10% on all balances. A qualifying Metro Checking account meets at least three of the following criteria each month: direct deposit of at least $500.00, 5 debit card purchases of at least $1.00 each, enrollment in eCommunications, maintaining an active Metro loan or credit card, maintaining an average Metro Checking balance of at least $5,000.00. The rate may change after account opening, is subject to change without notice and is based on daily balances. Rates may change throughout the month and will affect the monthly dividend payment. Funds earn dividends from the first business day of deposit and are compounded and paid monthly.
***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 account is not in good standing, you are not making regular deposits, or you have too many overdrafts. Learn more about our policies for overdraft and nonsufficient (NSF) fees here.
****To earn the Metro Rewards bonus, you must open a new Metro Checking account and enroll in the Metro Rewards program by 9.30.24. Accounts must be open, active, and in good standing at the end of the qualifying period. Points will be awarded within 30 days after the end of the Qualifying Period. This is a limited time offer, is non-transferable, and Metro CU reserves the right to cancel the promotion without notice.