As information regarding the current pandemic and its impact changes frequently, Metro Credit Union is sharing resources and recommendations related to the distribution of Stimulus Checks.  The U.S. Federal Government began delivering "Economic Impact Payments or stimulus checks” to eligible Americans as part of the Coronavirus Aid, Relief and Economic Security ("CARES") Act- direct cash payments to individuals and families for financial relief during the coronavirus pandemic.

How do these stimulus checks work?
  • The Internal Revenue Service (IRS) is responsible for the timing, amount and distribution of these payments, and has stated that payments will be sent in waves over the course of multiple weeks into July 2020.
  • The amount of each payment is based on information that the IRS has on file for each eligible individual or family.
  • For most recipients, payments will be deposited directly into the same bank account that received the most recent tax refund or monthly Social Security payment.
  • Others will receive paper checks in the mail, at the address that the IRS has on file for that individual.
To determine whether you are eligible to receive a stimulus check you must contact the IRS.
Metro Credit Union representatives will not have information on stimulus check eligibility, timing or distribution. These payments are determined and distributed solely by the IRS.
 More information is available using these online tools: How can you determine if the stimulus check has been deposited into your Metro account?

If your payment is coming through direct deposit:
  • Log in Metro Online Banking (
  • Set an account alert – letting you know when a direct deposit posts
  • Review deposit transactions containing the word "IRS." However, remember that the IRS is using the same description for both the stimulus payment and income tax refund.
If your payment is coming as a paper check you don’t have to visit a Metro branch to make a deposit:
  • Use our Mobile app to deposit your paper check, and get confirmation immediately. (Remote Deposit)
  • Deposit your check at any Metro ATM (Metro Locations).
If you must visit a branch, you will need to make an appointment.  Call 844.515.8433 to schedule your time.  Please remember to adhere to social distancing guidelines and other appropriate health measures when visiting the branch in-person.
How can I access and use my funds quickly? Use your debit card to pay and get cash.
  • Use your Metro debit card to make purchases and withdraw cash from one of our ATMs.
  • Check your balance, send money to friends and family and pay bills using our Mobile app or through Online Banking
Important Information About Stimulus Checks – Avoiding Scams
As we receive government-issued stimulus checks as part of the response to the COVID-19 pandemic, it’s important to understand what to expect. Being mindful of these tips as they can help you determine a legitimate payment from a fraudulent party attempting to get your money or financial information.
What can I do to help protect against fraud? Take these steps.
  • Check the IRS website for information about your payment status and account information.
  • Make sure your contact information is accurate in your Metro account.
  • Set up security and account alerts.
My check is for more than I was expecting, will I have to send it back?
You will not be asked to send back a portion of the stimulus funds.  Anyone calling with that request is most likely a fraudster.  Check the official IRS website to verify the amount of your stimulus payment. (IRS-COVID-19)
Be cautious with any IRS call, text or email that you receive.
  • Fraudsters send mail or emails that look official.  The IRS should not contact you about these payments, and will not request your personal or banking information.  

For further information regarding economic impact payments, visit the official websites of the Internal Revenue Service (IRS) and the Federal Trade Commission (FTC).
Metro Credit Union is here to help! If you believe you have been a victim of a scam, or have provided your online or financial banking information, contact us immediately at 877.MY.METRO (696.3876).