Checking Accounts | Metro Credit Union
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Checking
Checking with more perks and fewer fees.
Managing your money day-to-day is easier and more rewarding with a checking account at Metro. You'll find value, security, and convenience no matter which account you choose.
Visit your local branch
877.MY.METRO
Open Now
Metro Checking
No minimum balance
requirement or monthly fee.
UNLIMITED
ATM fee refunds.*
3.00% APY** on your
Membership Savings Account.
No insufficient funds fees
and flexible overdraft options.***
Deposits
100% insured with no limit.
Earn rewards points for using your account - and redeem for cash in Metro iBanking!****
New members
can open an account by clicking the "Open now!" button below.
Already a member?
Log in to iBanking for a streamline way to open Metro Checking!
Safeguard Checking
A safe and affordable option for those new to or looking to re-establish a checking account
Paperless Checking – no paper checks issued
Debit card for ATM and point-of-sale transactions
Free Metro iBanking and Mobile Banking
Get paid sooner with
Early Pay
direct deposit
Save Your Change - A convenient way to help you save by “rounding up” debit card purchases with the change deposited into your Metro savings account. Call 877.MY.METRO or visit a branch to enroll!
To open, visit any branch
location.
Membership Savings
High Yield Savings
Certificate of Deposit (CDs)
See all savings accounts
How Do I
Become a Member
Resources
Online Fraud Prevention
Rates
Rates shown are for new accounts opened and are subject to change after account opening. Fees may reduce earnings. After account opening, the current rate can be found within Metro iBanking and on the account statement.
ATM fees charged by other ATM owners (3rd Party ATM Fees) are reimbursed, provided you meet three of the following criteria each month. Qualifying transactions must post and clear by the last business day of the month. (1) eCommunications opt in (2) Direct Deposit of at least $500.00 per month into your Metro Checking Account (3) Debit Card Purchases at least 5 times per month (each transaction must be for $1.00 or more) (4) Active Metro loan (includes credit card or student loan) (5) Average monthly balance greater than $5,000.00 in your Metro Checking Account. ATM fees will be aggregated and credited to your Metro Checking Account monthly.
Provided you meet three of the following criteria each month you may be eligible for a higher rate on your Membership Savings Account as outlined in our
Rates
. Qualifying transactions must post and clear by the last business day of the month. (1) eCommunications opt in (2) Direct Deposit of at least $500.00 per month into your Metro Checking Account (3) Debit Card Purchases at least 5 times per month (each transaction must be for $1.00 or more) (4) Active Metro loan (includes credit card or student loan) (5) Average monthly balance greater than $5,000.00 in your Metro Checking Account.
Learn more about your Metro membership at
www.MetroCU.org/MembershipAgreement
. Fees may reduce earnings. APY is a variable rate and may change after the account is opened. APY is current as of 6/2/25.
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 fees
here
. You must bring the account to a positive balance within 10 calendar days after the first transaction that creates a negative balance on your account.
Rewardable activities and redeemable options are subject to change without advanced notice.
Terms and Conditions
When you meet three of the following criteria in any one month, you will be made eligible for a premium package of value-added benefits in partnership with BaZing as outlined on our website at MetroCU.org. Qualifying transactions must post and clear by the last business day of the month. Activation of benefits is required. (1) eCommunications opt in (2) Direct Deposit of at least $500.00 per month into your Metro Checking Account (3) Debit Card Purchases at least 5 times per month (each transaction must be for $1.00 or more) (4) Active Metro loan (includes credit card or student loan) (5) Average monthly balance greater than $5,000.00 in your Metro Checking Account.
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