Payday made easy. Set up direct deposit with Metro Credit Union and enjoy automatic access to your money the moment it hits your account.
What is Direct Deposit?
With direct deposit, your paycheck or government benefits, including Social Security, are automatically sent to your checking account or savings account. Since paper checks are no longer common, your funds are available immediately and safely.
With Metro Credit Union direct deposit, your funds are securely deposited and ready to use with our state-of-the-art online banking and mobile app tools.
More than 90% of American workers already use direct deposit and for good reason. It’s faster, safer, and helps you manage your money more efficiently. If you’re still depositing paper checks, here’s why now is the time to make the switch:
Why Set Up Direct Deposit with Metro Credit Union?
Faster Access to Your Money
Direct Deposit often clears instantly, so there’s no waiting for checks to process or worry about lost mail or delayed delivery. Your money is typically available on payday, ready for bills, transfers, or purchases.
Stronger Security and Reliability
Paper checks can get lost, stolen, or damaged. Direct deposit sends your money directly to your Metro Credit Union account, reducing the risk of fraud.
Save Time with Greater Convenience
If you don’t have time to visit a branch or ITM every payday, direct deposit makes things easier. Your money is already waiting for you, and you get paid no matter where you are, making it easier to manage your finances on the go.
Smarter Budgeting and Money Management
A consistent, on-time paycheck makes budgeting simpler. Use Metro’s online and mobile banking tools to:
- Track spending in real-time
- Set up automatic bill payments with BillPay
- Transfer between accounts or link external ones
- Get alerts for account activity and due dates
- View your FICO® Score, updated quarterly
- Securely message our Contact Center
Build Your Savings Automatically
If saving money is a challenge, direct deposit can help. Automate your savings by directing a portion of your paycheck into a separate savings or money market account. This “pay yourself first” strategy builds your emergency fund, travel fund, or other savings goals without extra effort. Click here for tips on creating a budget that fits your lifestyle.
How Direct Deposit Supports Better Financial Habits
Direct deposit does more than just save time, it helps you stay consistent with your money goals. When your paycheck is automatically distributed, you’re more likely to stick to a plan, avoid impulse spending, and build long-term savings.
Here’s how it encourages smarter habits:
Predictable paydays
Make it easier to plan bills, loan payments, and savings transfers.
Automatic accountability
Your savings grow without needing willpower.
Improved financial awareness
Real-time mobile notifications from Metro help you track spending and progress.
Maximize the Benefits of Direct Deposit
Here’s how to make the most of direct deposit with Metro Credit Union:
Automate your savings
Send a portion of your paycheck into a high-yield money market or certificate for faster growth.
Simplify bill payments
Schedule payments around your payday.
Split deposits across accounts
Support multiple financial goals, checking for daily use, savings for emergencies, and investments for the future
How to Set Up Direct Deposit at Metro Credit Union
Getting started is easy:
- Ask your employer or benefits administrator for a direct deposit form.
- Provide Metro Credit Union’s routing number and your account number (we can help you find these).
- Choose whether your deposit goes to checking, savings, or both.
- That’s it! Your next payday could be faster, simpler, and more convenient.
Simplify Payday with Metro Credit Union
When you choose Direct Deposit with Metro Credit Union, you’ll experience:
- Fast, secure access to your paycheck
- Time-saving convenience
- Reliable protection compared to paper checks
- Automatic budgeting and savings tools
- Full control of your finances through our online and mobile banking platforms
Security and Privacy: How Metro Protects Your Direct Deposits
Every direct deposit to Metro Credit Union is protected by advanced encryption and fraud monitoring. Funds are transferred through secure, verified channels, never by email or text, and deposits are federally insured by the NCUA up to $250,000.
To stay even safer, monitor your accounts through Metro’s mobile app, enable transaction alerts, and never share your account details with anyone claiming to “verify” a deposit. Your security is built into every step of the process.
Set Up Direct Deposit Today
Contact your HR department or benefits administrator today and make payday the easiest day of the month.
