Checking Accounts

For members who have direct deposit and want extra debit card benefits with on-the-go access.

Account Highlights

• No minimum balance or service fees with a qualifying direct deposit - Keep the deposits coming each month of at least $400 and we'll keep your account minimum balance free!
• FREE first box of checks - Grab some basic checks so you always have a box ready for purchases, when needed.
• Pay with your phone or contactless Visa Debit Card - Simply tap to pay with your contactless debit card for a safe, secure, and easy way to pay for purchases! Our debit cards are also mobile wallet compatible and equipped with EMV chip technology. MORE INFORMATION
• 6 FREE ATM transactions per month - Visit any Surcharge-Free ATM up to 6 times per month, plus transactions are always free at METRO's drive-thru ATM.
• Mobile banking & Mobile deposit lets you bank on the go - Always convenient access on the go with your phone. Stay connected to your account with METRO's mobile app and make deposits effortless with mobile deposit.
• Mobile card manager for your debit card - CardHub puts you in real-time command of your METRO Visa Debit Card. Controlling your card allows you flexibility and peace of mind.
• Send money with Zelle® - A fast, safe and easy way to send and receive money with friends, family and other people you trust…instantly! Find out more information and FAQs.

Account Benefits & Features:

• FREE Online access with check images
• FREE eStatements, account alerts and notifications
• FREE Mobile Banking & Mobile Deposit
• FREE Visa Debit Card
• FREE ATM Access to over 30,000 Surcharge-Free ATMs
• FREE Online Bill Payment with eStatement enrollment
• Dividends on balances $100 and over
• Unlimited check writing
• Overdraft Protection
• Federally insured funds

For members with higher account balances and less transaction activity.

Account Highlights

• Use as a high yield secondary savings account or checking account - Maintain your balance to earn dividends and only spend as you need to. Think of our VIP account as a hybrid savings & checking account. Write up to 3 checks per month, or withdrawal up to 3 times per month.
• Competitive dividends with tiered rates - As your balance grows, so does your rate. Earn more dividends the more you deposit.

Account Benefits & Features:

• Funds are accessible for withdrawal*
• Limited check writing privilege*
• No monthly service fee
• No minimum balance

*Minimum cash or check withdrawal amount is $500.00 to avoid processing fee. Maximum total number of checks paid per month is three. Additional checks cleared, transfers, or cash withdrawals will be subject to a processing fee. Debit card, online bill pay and mobile deposit not eligible for money market accounts.