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Checking Accounts

Banking Made Simple

A great checking account should be easy to use, transparent about fees, and built around how you actually live. Metro offers two options to fit different needs: Simply Checking for no-fee1  everyday banking, and Complete Checking for added perks like dividends, free BillPay, and extra ATM access.

Both accounts come with no NSF fees, ever. And if you ever overdraw your account, our Courtesy Pay program covers transactions of $5 or less, and balances overdrawn by $50 or less, with no fee2.

 

 Simply Checking
Free everyday banking		Complete Checking3
Banking with added perks
Free Debit Cardcheckmark checkmark
Online Bankingcheckmarkcheckmark
Free Mobile Banking & Mobile Depositcheckmarkcheckmark
Free eStatements1checkmarkcheckmark
Courtesy Pay2checkmarkcheckmark
Access to Money Pass Networkcheckmarkcheckmark
No Minimum Monthly Balance3checkmark 
Earn Monthly Dividends  checkmark
3 Free Out of Network ATMs Monthly4 checkmark
Free BillPay checkmark
2 Free Cashier's Checks Monthly  checkmark
First Box of Checks Free checkmark

Why Choose Checking with Metro

No Surprise Fees

No NSF fees, ever. No monthly fee on Simply Checking. No minimum balance requirements. With Metro, what you see is what you pay.

Local Service, Always

Metro has served the Omaha community since 1951. Our team is local, knowledgeable, and ready to help whenever you need us.

Built for Mobile

Deposit checks, transfer funds, pay bills, and manage your account anytime through online banking and the Metro app.

Federally Insured

Your deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA). Your money is protected, plain and simple.

Built-In Fraud Protection

Every Metro debit card comes with built-in protections to help keep your money safe. If you ever spot a transaction you don't recognize, contact us immediately at 402-551-3052.

  • Real-time fraud alerts. Our Fraud Alert Service notifies you the moment a suspicious purchase is detected on your debit card.
  • Card controls in your app. Lock and unlock your debit card, set spending limits, and manage transactions directly from online banking or the Metro app. See how it works.
  • Stay informed. Visit our Fraud Protection page for the latest scam alerts and tips on keeping your accounts secure.

 

Checking Account FAQs

What's the difference between Simply and Complete Checking?

Both accounts come with a free debit card, online banking, the Metro mobile app, free eStatements, Courtesy Pay, and access to the Money Pass ATM network. Simply Checking is fee-free with no minimum balance, making it a great fit for everyday banking. Complete Checking adds extra features like monthly dividends, free BillPay, your first box of checks free, and three free out-of-network ATM transactions per month.

How do I avoid the Complete Checking monthly fee?

The $10 monthly service charge on Complete Checking is waived if you meet any one of the following:

  • $4,000 or more in monthly direct deposits
  • $10,000 or more in your individual account balance
  • $25,000 or more in combined Metro loan balances (including mortgage products)

If none of these apply, Simply Checking may be a better fit. There's no fee, no minimum balance requirement, and you still get most of the same features.

What is Courtesy Pay and how does it work?

Courtesy Pay is Metro's overdraft program. If you accidentally overdraw your account, Courtesy Pay can cover certain transactions, so they aren't returned. Here are the basics:

  • Courtesy Pay covers checks, ACH transactions, and BillPay payments. It does not cover ATM withdrawals, in-person transactions, or online banking transfers.
  • There's no fee on transactions of $5 or less, or when your account is overdrawn by $50 or less.
  • For larger overdrafts, the fee is $33 per item.
  • You have 35 days to bring your balance back to zero.

You can read the full details on our Courtesy Pay page.

Can I switch from Simply to Complete Checking (or vice versa)?

Yes. You can switch between Simply and Complete Checking at any time. Stop by any Metro branch, give us a call at 402-551-3052, or send us a message through online banking and we'll take care of the change for you.

How do I order checks?

If you have a Complete Checking account, your first box of checks is free. To order your first or any additional boxes, log in to online banking and select the check reorder option in the Services menu, or contact us at 402-551-3052 and we'll help you place the order.

What ATMs can I use without fees?

Both Simply and Complete Checking accounts include free access to the Money Pass Network, which gives you fee-free withdrawals at thousands of ATMs nationwide. Complete Checking adds three free out-of-network ATM transactions per month, with no Metro fees on those withdrawals (other financial institutions may still charge a surcharge).

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

(2)Courtesy Pay is our overdraft program. It can be used to pay checks, ACHs, and BillPay transactions. Courtesy Pay will not cover ATM withdrawals, in-person transactions, or online banking transfers. Members have 35 days to pay any negative balance caused by Courtesy Pay. Metro will charge you a fee of $33 each time we pay an overdraft 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.

(3)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).

(4)Free from Metro Credit Union fees; other financial institutions may impose a surcharge fee.

  • I've been with Metro for 23 years, starting when I worked for Nebraska Med. They've always worked with me through everything. I'm set for life with my credit union.
    Robert M.
  • I've been a member for over 20 years, starting when I worked at Clarkson Hospital. We've always found Metro's rates to be among the best in the area. When my kids were young, they loved the member appreciation events. Now my son and daughter-in-law are members too.
    Rachel W.
  • I first joined Metro in 1978 and was approved to buy my first home. In 1990, when the chance came to buy my neighbor's house, I was able to sell mine and get a new loan through Metro. As a single mom working at a grocery store, I never dreamed I'd qualify for a home loan. I'm still a member today, and I'm so grateful they trusted me. Member for 48 years.
    Regina H.
  • I joined Metro in 1986 while working as a chaplain at Midlands Hospital in Papillon. At the time, our paychecks were deposited directly at Metro, which meant no more picking up checks late or driving them to another bank. It was a game changer. In the years since, I've gotten car loans, set up online banking, and gotten help with Visa cards, all without hassle or extra costs. I've moved all over the country in the past 40 years, but I've always stayed with Metro.
    NJ D.
  • I've had a great experience that's allowed me to establish credit with my first auto loan. Thank you Metro for giving me this opportunity.
    Jessica A.
  • I joined in 1990 & always receive great service. Technology has evolved for increased convenience & loan rates are great!
    Ann T.
  • I have been with Metro Credit Union since 1996. I wouldn't change to any other bank. Very friendly people and their service is outstanding.
    Tammy F.
  • They make banking easy. The mobile app allows quick access to activity going on in my account, and their tellers are great with ensuring the security of my account.
    Katherine V.
  • I have had multiple loans with Metro Credit Union, and they have stood beside me throughout the six years that I have been banking with them
    Duane T.
  • I have been a member of Metro Credit Union for 40 years. I have gotten car loans and other loans. Some of my children are banking there as well. Friendly and knowledgeable personnel at all locations. Love my credit union!
    Louise G.

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