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If you are currently a Metro member, please select “Current Member Application” and log into our online banking platform.

If you are a non-member, please select “New Member Application” to apply.

Checking Accounts

Whether you're looking for a free checking account or one with all the bells and whistles, Metro Credit Union has you covered. We offer two great checking account options: Simply and Complete. Never get a nonsufficient funds (NSF) return fee again with a Metro Credit Union account. With overdraft protection you will also have peace of mind knowing that you will pay no overdraft fees on charges of $5 or less and you can use up to $50 of Metro's money to cover transactions without a fee.***

With a Simply Checking account from Metro Credit Union, there are no minimum balance requirements or **monthly fees. Enjoy the convenience of a debit card for making purchases and accessing cash easily. Manage your finances on the go with our mobile banking app, and conveniently deposit checks using our mobile deposit feature. Metro's Complete Checking account offers all the benefits of Simply Checking, plus all the bells and whistles.

Open a checking account and experience hassle-free banking with Metro Credit Union today!


Review the comparison below to select the account that works best for you.

 Simply Checking
Easy, no cost checking
Complete Checking*
All the bells and whistles
Free Debit Cardcheckmark checkmark
Online Bankingcheckmarkcheckmark
Free Mobile Appcheckmarkcheckmark
Free eStatements**checkmarkcheckmark
Courtesy Pay***checkmarkcheckmark
Access to Money Pass Networkcheckmarkcheckmark
No Minimum Monthly Balancecheckmark 
3 Free Out of Network ATMs Monthly checkmark
Free BillPay  checkmark
Earn Monthly Interest  checkmark
2 Free Cashier's Checks Monthly  checkmark
First Box of Checks Free checkmark

Fraud Protection

To help prevent fraud and ensure that your money is safe, certain restrictions are applied to the use of your Metro Credit Union debit card. Should you ever notice fraudulent transactions, contact Metro immediately at 402-551-3052.

Learn about our Fraud Alert Service which notifies you of suspicious debit card purchases in real time, along with regularly updated information on current scams consumers are facing.

Utilize the card control features on your online banking and mobile app with this information How to Card Controls.

*Complete Checking has a $10 service charge fee. It can be waived with any of the following: $4,000 direct deposit monthly, $10,000 in the individual account balance, $25,000 in loan balances (includes mortgage products).

**Paper Statement fee of $5 if member doesn't elect to have eStatements.

***Courtesy Pay is our overdraft program. Courtesy Pay/Overdraft fees apply if the transaction we pay exceeds $5 and the account is overdrawn by more than $50 (available balance is negative by more than $50) after payment of the overdraft. (Due to system limitations, in some cases where the transaction is $5 or less or the account is overdrawn by less than $50, the fee may be assessed and then reversed. Metro reserves the right to pay overdrafts at its discretion.) Review our overdraft disclosure. Read more about our Courtesy Pay Program.

  • I've done business with Metro for 7 years. Every branch is friendly and willing to do business to suit my needs. Referred to many friends.
    Brian G.
  • I love banking with Metro! I’ve never had an issue, whenever I have questions I write to them on the mobile app & they always answer quickly :)
  • It’s always a great experience at Metro Credit Union!
    Randy J.
  • Tellers are very friendly and able to answer questions and assist in timely manner. Also they have really good coffee for customers.
    Wendylyn M.
  • I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!
    Mohammed H.

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