Frequently Asked Questions
Questions? We have answers!
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For up-to-date branch hours and information please visit www.metrocu.org/locations.
Yes, appointments can be booked at www.metrocu.org/about/appointments.
A wire transfer can be completed electronically with an agent or in person at a branch. To start your request with a digital branch agent, initiate a chat (icon in the lower right hand corner) and ask for an agent. For branch requests, an appointment is not required but highly recommended.
Yes, notary services are available for members and non-members at all branch locations. An appointment is not required, but highly recommended.
Yes, Metro offers Medallion Signature Guarantees for members only at the Burlington, Boston – Mass Ave, Boston – Dorchester, Chelsea – Main, and Framingham branches. Appointments are required. Requests for signature guarantees cannot exceed $250,000.
Coin machines are available free of charge to members at all locations except our Burlington and Medford branchs.
Limited after-hours support is available for iBanking, debit cards, and credit cards at 877.696.3876. For all other inquires, you may reach out via secure message in iBanking, email, or call during regular business hours.
You can view a listing of all Metro branches here.
A credit union exists to serve a specific group of people. This is called a "field of membership". The field of membership may include the community where they live, where they work, or their membership in a social or professional group.
A credit union is a not for profit financial cooperative. It is member-owned and controlled through a board of directors elected by the membership. The board establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
The very first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started for US in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.
Unfortunately, Metro does not buy or sell foreign currency.
Metro’s routing number is: 211381990
You can make deposits into your Metro account several ways:
- Visit a branch to make a deposit
- Deposit checks or cash at a Metro ATM
- Set up Direct Deposit
- Deposit a check from anywhere with our mobile app
You will need a social security or tax ID number, 2-3 forms of identification, and funds to deposit at account opening. Acceptable forms of primary, secondary, and tertiary IDs can be found here: How do I become a Member?
You can place a stop payment in person at a branch, over the phone with Member Services, via iBanking, or with a Digital Branch agent.
You can dispute an ACH transaction in person at a branch, over the phone with Member Services, via secure message in iBanking, or with a Digital Branch agent. Paperwork will need to be signed and completed to initiate the process. Transactions can only be disputed within 60 days of being posted to your account.
An account can be closed in person at a branch, over the phone with Member Services, by email at MemberServices@MetroCU.org, via secure message in iBanking, or with a Digital Branch agent. Please make sure all direct deposit/automatic payments and bill payments have been cancelled. For requests made via iBanking or email, a check will be mailed to the address on file.
The Membership Savings account is a required account for membership with Metro.
Checks can be reordered by logging into the full iBanking website and clicking on the “Self Service Center”.
Your address can be updated in iBanking by clicking on the “Self Service Center”, or you can update your address in person at a branch, by calling Member Services, or with a Digital Branch agent.
You can change the name on your account after you have updated your primary identification. Bring the new ID to any branch location and sign the appropriate documents to submit the change. Alternatively, you can initiate the request through secure message in iBanking, via email at MemberServices@MetroCU.org for the documents to be sent to you, or with a Digital Branch agent.
You can add a signer to your consumer account in person at a branch. The new signer would need to be present, provide two forms of identification, and sign the appropriate documents. You could also initiate the request through secure message in iBanking, via email at MemberServices@MetroCU.org for the documents to be sent to you, or with a Digital Branch agent.
Your full account number is available within iBanking. If you are a new member that recently closed on a loan with an auto dealer, your account information will be emailed to you -if an email was provided on the loan app.
You can add a beneficiary to an account by visiting any branch location and completing new signature cards. You will need to provide the name, SSN, address, date of birth, and phone number of the individual being added to the account. You may have one beneficiary per account number. If you are unable to visit a branch, you can submit a request via secure message in iBanking, send an email to MemberServices@MetroCU.org to start the process, or speak with a Digital Branch agent.
You will receive your Christmas Club funds October 1st and Vacation Club funds May 1st through automatic transfer to the bank account you choose for disbursement. If the 1st falls on a weekend, the transfer will occur the following business day.
Metro rebates the maintenance fee associated with your My Reward Checking account instead of waiving it. If your account meets the requirements the fee will be automatically waived by the system.
Anyone can qualify for a Metro Checking account! Current Metro members who have an existing checking account can upgrade their current account to Metro Checking.
We’ve heard from our members, and we listened— fees don’t give you that flexibility and freedom you need. So, we’re getting rid of the fees you don’t need:
- No minimum balance or monthly fees
- No insufficient funds fees
- No return deposit fees
- No inactivity fees
- No overdraft fees
Overdrafts happen— and we’re prepared to help you through it. This is why we’ve increased the overdraft limit from $750 to $1,000. An increased limit allows you to cover your bills and expenses while you wait for a paycheck or deposit to clear.
No changes will be happening to your existing checking account. If you have a My Reward, Safeguard, or Free Checking, you will remain in that account. Metro will now no longer offer Free or My Reward Checking to new account members because Metro Checking has both features combined into one. Your checking account will only switch to Metro Checking if you initiate the upgrade.
If you switch your account to Metro Checking, your account number stays the same, your direct deposits remain, and other bills or deposits connected to that account number won’t be affected. All previous Metro programs like Save Your Change and Early Pay will still apply if you’re currently meeting all program requirements.
You can only have one Membership Savings account with Metro. If you have multiple Metro Checking Accounts, as long as one of the Metro Checking Accounts meets the monthly 3 out of 5 eligibility requirements the bonus will be paid on the Membership Savings balance.
Members with a My Reward Checking account will continue to receive reimbursement of ATM fees on a daily basis. Once you upgrade to Metro Checking, reimbursements will be paid at the end of the month assuming 3 of the 5 eligibility criteria is met.
All Metro Members with consumer accounts and Metro iBanking are eligible to enroll. Your accounts must be in good standing; business accounts are not eligible.
Enrollment is not automatic. Eligible members must initiate the enrollment and accept the Terms & Conditions in Metro iBanking.
After enrolling, members earn points for certain banking transactions and activities:
- 10 points per Bill Pay in Metro iBanking (Monthly minimum 4 transactions, maximum 10 transactions)
- 100 points per month for Direct Deposit (Monthly minimum of $25.00 in total deposits)
- 1 point per point-of-sale debit card transactions (Per transaction minimum of $1.00)
- 500 points for initial enrollment in Express Pay to pay your Metro loan (One time rewards per loan)
Rewardable activities and amounts eligible to be earned are subject to change at any time without advance notice.
Debit transaction points are awarded on the first business day after the transaction is posted to your account.
Points for direct deposit and bill pay are awarded on the first business day of every month for the previous month’s activity.
Express Pay points are rewarded weekly on Friday (at end-of-day) of the week in which the Express Pay enrollment occurred.
Joint owner activity (debit card transactions, direct deposit) will earn points that are attributed to the joint account; however, points are only visible to and redeemable by the primary account owner. If the joint account owner logs into iBanking they will only see points earned for accounts where they are the primary owner.
Open a new member account in your name to be eligible to earn your own points for certain banking transactions and activities. We’d love to have you as a member!
No, Rewards Points are not transferrable.
You’ll be able to view and keep track of your Rewards Points in Metro iBanking.
Get cash back deposited into your chosen eligible Metro account.
Get refunds of fees for insufficient funds or Courtesy Pay.
Points will be paid in October 2024. Members must have enrolled in Member Rewards by September 30, 2024 to receive the points. Accounts must be open, active, and in good standing at the end of the period to qualify for the promotional points.
Visit the Member Rewards Store in Metro iBanking to redeem your points! Choose the Cash Back or Fee Rebates icon and follow the prompts.
You can redeem your Rewards Points for cash which will be deposited to your Metro account.
- Log in to Metro iBanking and navigate to the Member Rewards Store.
- Select the Cash Back icon, choose which account you’d like the cash back to be deposited into, enter the number of points you’d like to redeem, and click Submit.
No, you’ll need to redeem for cash back in the Member Rewards Store.
Your cash back reward will be deposited to your account right after you submit the request.
Log in to Metro iBanking and navigate to the Member Rewards Store. Select a fee from the dropdown menu and click Submit. You must have enough points earned to cover the entire amount of the fee. Otherwise, cash back is a great option for you.
Yes, points will expire 2 years after they are earned, so be sure to use them!
1 point = $0.01. Point values are subject to change at any time without advance notice.
Your participation in the Metro Rewards Program may result in the receipt of taxable income (for example cash redemptions) and we may be required to send you, and file with the IRS, an appropriate tax form. You are responsible for any tax liability related to your participation in the Metro Rewards Program.
Your Rewards Points will need to be redeemed for cash back and deposited into your account before it is closed. Be sure to redeem all Rewards Points before closing your Metro account.
We’re here for you!
Send us a secure message within Metro iBanking.
Access Digital Branch and speak with Chelsea, our virtual assistant. She can connect you directly with a Metro Service Specialist if needed!
Call Chelsea at 877.MY.METRO (696.3876)
Use the chat button in the lower right corner of MetroCU.org.
Please email our Loan Team at LoanServicing@MetroCU.org for assistance.
You can submit a copy of the check and the insurance adjuster report via email at LoanServicing@MetroCU.org or by mail to PO Box 9100 Chelsea MA 02150. Someone will reach out to arrange a time to have the check endorsed.
You do not need to send the bill; it can be retained for your own records. Even if we are paying on your behalf, the town/city will still send you a copy of the bill. Please note that if the bill references delinquency/demand/past due, you should send an email with a copy of the bill to LoanServicing@MetroCU.org.
Yes, you can pay off the shortage/deficiency amount referenced in your analysis. If paying in a branch or mailing a check in, please indicate the payment is for the escrow shortage. Your escrow payment will be reduced by the shortage/deficiency monthly spread.
When you have a Home Equity Loan, or HELOC, with us we become the 2nd lien holder on your property. As such, we are required to ensure that the property is protected with homeowner’s insurance for the life of the loan/LOC.
You can submit a signed written request at your branch or submit a written request by email to LoanServicing@MetroCU.org. If your policy renewal is up, we will need proof that a new term was purchased.
You can submit a signed written request at your branch or submit a written request by email to LoanServicing@MetroCU.org. You must also provide proof that you have purchased homeowner’s insurance for the current term so that we can begin collecting for the next term. An escrow deposit may be required.
We will always need to have the most up-to-date policy on file, this typically means you will need to submit your homeowner’s insurance policy annually at time of renewal or anytime there is a change made to your policy.
Please submit the renewal directly to our Insurance Department:
- Address:
METRO CREDIT UNION Its Successors and/or Assigns
P.O. Box 7090
Troy, MI 48007-7090
- Phone: 877.634.9073
- Email: MCUTeam@pfic.com
- Fax: 248.878.2410
- Upload: MyExpressInsuranceInfo.com/2916316
We would need to review the account to better assist, please reach out via LoanServicing@MetroCU.org for assistance.
If you need a mortgage payoff for a future date you can request this via email at LoanServicing@MetroCU.org or secure message in iBanking. Verbal requests over the phone are only available for a same day payoff.
- Metro does an annual analysis on all escrow accounts in May. This could lead to an increase in your monthly payment if taxes/homeowner’s insurance premiums have increased from the previous year and/or if the escrow account has a deficiency/shortage. The escrow analysis document will provide details of any increase/decrease in the payment.
- Payment amount increases can also result from an interest rate change, if your loan has an adjustment rate term.
Escrow analysis is generated annually in May. Any escrow payment change will be in effect for your July bill. The document will be mailed to you and also available in eDocuments in iBanking if you are set up for electronic statements.
Metro can produce a discharge for you. If a discharge was never recorded, a request for an original can be submitted by email LoanServicing@MetroCU.org. Please note there is a fee for a confirmatory discharge.
A mortgage discharge can take 45 days from the date the loan is paid off. The fee to record the discharge is collected when the loan is paid off, and the discharge will be recorded directly with the registry. You can view or obtain a copy of the recorded discharge online at the registry of deeds of your property address: https://www.masslandrecords.com or https://www.nhdeeds.org
There are a few ways to obtain your loan account number: you can find it on your billing statement, in Metro iBanking by clicking on the loan, request it by emailing MemberServices@MetroCU.org, or by speaking with a Digital Branch agent.
You can apply for a loan on our website, over the phone, in person at a branch, or with a Digital Branch agent.
Bills are generated 15 days before the due date for an Installment loan and on the 25th of each month for a Line of Credit, then mailed out or made available online if you are signed up for eCommunications. The first bill can take a little longer to generate, but please remember you have a 15-day grace period to make the payment before a late charge is assessed.
MA auto loan titles are mailed from the Registry of Motor Vehicles and can take 3-4 weeks to be received. If you’re out-of-state, Metro will release your title within 5 business days. You would then need to follow up with the RMV/DMV from your state for next steps.
- Please reach out via email to LoanServicing@MetroCU.org, secure message in iBanking, or over the phone for assistance with obtaining the title. We can send the title to you or the RMV/DMV. If you receive the title you will have to take it to the RMV/DMV to register the car.
- If you have an electronic title, we will need to order it from the RMV. This may take 2-3 weeks.
- If you are moving, please be sure to also update your mailing address.
We’re so sorry to hear that. Please notify your insurance company, they will reach out to us for next steps. If you are leasing your vehicle, please call CULA at 800.878.5400 for assistance.
• Please have your insurance fax in a settlement to 617.488.5440 or email it to LoanServicing@MetroCU.org.
You can submit a payoff online via iBanking or Metro Pay, please be sure obtain the full payoff amount prior to submitting your payment by reaching out at LoanServicing@MetroCU.org
- You can change the due date on your consumer loan by submitting something in writing via email or mail, provided your first payment has been satisfied.
- Email: LoanServicing@Metrocu.org
- Address: 200 Revere Beach Parkway Chelsea MA 02150
- Loan Servicing cannot change the due date on any of the following loans:
- Mortgages loans
- Metro Line of Credit
- Overdraft Protection Line of Credit
You can change the frequency on your consumer loan by signing a Subsequent Action Form. Please contact Loan Servicing at LoanServicing@MetroCU.org for assistance.
You can request a payoff on your auto loan via email at LoanServicing@MetroCU.org, secure message in iBanking, over the phone, with a Digital Branch agent, or in person. We normally provide a 10-day payoff, please let us know if you need anything different.
Unfortunately, Metro does not provide loans for salvage or rebuilt titles.
You must submit a new loan application. This would involve a hard inquiry on your credit.
- If the loan was paid off with cash/wire, we would notify the RMV the same day. If the loan was paid off by any other means, it can take 5 business days before the title is released.
- For MA titles, it can take the RMV approximately 2 weeks to send the title.
If you need the letter for your records, we can email it to you. If you’re applying for a Duplicate Title or if the title is needed for a dealer, insurance company, or other lender then we would have to mail an original. Reach out to our Loan Team for assistance at LoanServicing@MetroCU.org.
No, unfortunately. The title that was sent was the only original title we had on file. If the title is lost, you would need to fill out a Duplicate Title form via the RMV.
You will need an original Release of Lien letter from Metro and a Duplicate Title form from the RMV. Please reach out to our Loan Team at LoanServicing@MetroCU.org for assistance with obtaining a Release of Lien letter.
We recommend giving us a call before coming in so that we can review how your title is stored and the best way to get it to you.
- If you are paying from an external account:
- Automatic Payments:
- Submit Express Pay form here
- Payment date will follow due date of loan
- No fee
- iBanking
- Click here to login or enroll
- Link your external account under Bank-to-Bank and make payments under the Transfer tab
- this can take 1-2 business days to set up initially
- No fee
- By phone with rep
- You can pay with savings account, checking account, or debit card
- $10 fee
- Automatic Payments:
- If you are paying from an internal Metro account
- You can use the Transfer tab in iBanking
- Make a payment over the phone with a rep
- Make a payment via Telephone Banking (877.696.3876)
- Visit a branch to make a payment
- Mail in a check for payment
- Verify mailing address on your loan bill
We recommend reaching out to the RMV at 857.368.8050 to see if the title was returned to them. If it wasn’t returned to the RMV, then please reach out to us via email at LoanServicing@MetroCU.org and we can provide you with a Release of Lien letter for you to apply for a Duplicate Title.
You will need a Letter of Permission from Metro and a copy of your notarized title. Please reach out to us via email LoanServicing@MetroCU.org or call us for assistance.
The FL County/Tag office will need the current original title and a Letter of Authorization. Since these documents need to be sent to their office by Metro we will need the accurate mailing address of the County/Tag office that is processing your title. Please reach out via email at LoanServicing@MetroCU.org for assistance.
Confirm with the insurance company/bank if a VINtek copy is sufficient, this copy has the same info as a title but takes less time to obtain. If they cannot accept a VINtek copy, then please reach out to us for assistance.
No, the RMV is notified electronically to release the titles by mailing them to our members.
The Power of Attorney is requested through CULA Turnin@CULA.com. They will mail or email it directly to you.
CULA sends two notices via mail to the lessee if the excise tax is not paid. CULA then sends a notice to METRO when they are in Warrant status to be paid, which is when the excise tax gets added to your lease.
CULA mails the parking ticket violation to the lessee. If the lessee doesn’t pay it, CULA sends the violation to METRO to be paid which is when the amount gets added to your lease.
Please call CULA directly at 800.878.5400 x0
You must contact the Collections Department at 877.696.3876 for assistance.
We recommend reaching out via email at LoanServicing@MetroCU.org. You can also visit your local branch or call us at 877.696.3876.
We recommend reaching out via email at LoanServicing@MetroCU.org. You can also visit your local branch or call us at 877.696.3876.
You would need to contact CUNA directly:
- Claims: 800.557.8955
- Claims Fax: 800.949.0551
Address:
GAP Claims
P.O. Box 669
Waverly, IA 50677-0669
iBanking is Metro’s online banking platform that allows you to view accounts, make transfers, pay bills, update contact information and more! Learn more: iBanking
You can enroll in iBanking by clicking on iBanking Login from the main page of MetroCU.org. On the next screen, you will select the appropriate “enroll” option. You will need a valid Metro account number as well as your personal information.
To change your password, simply navigate to the “Self Service Center” tab in iBanking.
If you have not locked yourself out, you can use the “Forgot Password” option from the main login screen.
If you are locked out, we will need to speak with you to assist. You can give us a call us at 877.696.3876 and say “trouble logging in”; iBanking support is available 24/7. You can also speak with a Digital Branch agent during business hours for assistance. We are unable to access password reset requests via email.
Statements are available by clicking on eDocuments while logged into iBanking. eDocuments can be found in online banking by clicking on the person icon in the upper right corner, from the dropdown select Self Service Center, and then eDocuments. Statements can only be printed when opened from the full iBanking site on MetroCU.org, not the mobile app.
A minimum of 13 months of statements will are available in iBanking. For statements beyond that, we can provide you with statement copies via a research request. Please reference our current fee schedule for research and reproduction statement fees.
You can set up Face ID by logging into the mobile app. Click on the person icon in the upper right-hand corner, select the Self-Service Center dropdown, and then Manage Biometrics. From there you can enroll your device or manage already added devices.
To make a mobile deposit, simply log into Metro’s mobile app and select “Deposit a Check”. There is a limit of $5,000 per day. Checks must be signed and endorsed with “For Mobile Deposit”. Only checks payable to members on the account will be accepted. Should your mobile deposit be rejected, you will receive an email notification.
Yes. To hide an account using the full website version of iBanking, select “Accounts” and then “Account Settings”. Under the tile that reads “Account Sort/Hide”, click the eye icon to hide or unhide an account, then click Save. From the mobile app, click on “Menu”, then “Self Service Center”, and select “Account Settings”. Click the eye icon to hide and unhide accounts.
You can access this information by clicking on the “Credit Card” option at the top of the page. Once the page loads, select the card you would like more info on. This portal will allow you to review transactions, make payments from other institutions, view statements, and more!
The best way to make this payment is by clicking on the “Transfer” option at the top of iBanking, then “Transfers” again. Select the appropriate from/to accounts and click “Continue”.
You can set up an automatic payment here. This option takes 2-3 business days to be set up, the payments will follow the due date of your loan, and will automatically stop once your loan is paid off.
You do not need to be a member to start the application, but you and your co-borrower will need to be a member of Metro before you can receive funding. Click https://www.metrocu.org/why for information about Metro membership.
It only takes a few minutes to submit an application, and then we need to receive your required documents to finalize your line of credit. During peak loan processing season (July through September), please allow 35-40 business days from the time you submit your completed application documents. During non-peak season, please allow 10 to 15 business days from the time your completed application and all required documents have been submitted.
- You can submit documents by secure upload, fax or mail.
- Upload: You can safely and securely upload images of your loan documents directly to us by logging into your existing application.
- Mail: Metro Credit Union, c/o CampusDoor Holdings, 210 York Street, Suite 200, York, PA 17403
- Fax: 717.241.3188
For an initial draw from a new line of credit or for subsequent draw requests, your school is part of the funding process. The amount you are requesting is shared with your school to ensure it falls within your school’s cost of attendance and your financial aid budget. You must be continually enrolled at least half time in a degree-granting program and meet your school’s minimum Satisfactory Academic Progress (SAP) criteria to be eligible for funding. Many schools strongly encourage you to compete a FAFSA and apply for financial aid before processing your Metro loan application. Please check with your school’s financial aid office.
Once your school has processed the loan certification request, they will confirm the date and dollar amount of the disbursement. Schools typically post a pending credit to a student’s bill when they know funds are approved and on the way. You are encouraged to check with your financial aid counselor directly if you have any questions about an outstanding certification request or the timing of your disbursement.
Depending on the timing, we may be able to accommodate your request. Please call us at XXX-XXX-XXXX to discuss your options. When necessary, if your loan has already been funded to your school you may need to contact the financial aid office at your school for assistance.
Your Metro Education Line of Credit is subject to an annual review and credit qualification, and you must continue to meet your school’s Satisfactory Academic Progress (SAP) and enrollment requirements. For fall and spring terms, you must be enrolled at least half-time. For summer term, you may be enrolled less than half-time. Should you drop below half-time in the fall or spring, withdraw during any term, or fail to meet SAP requirements your funding request can be denied, your line of credit may close, and your loan will enter repayment. Your Metro Education Line of Credit will also close when you are reported as having graduated.
Students and families are always encouraged to apply/request a draw as early as possible to avoid funding issues. Please let your financial aid officer know that you have been approved for a loan. If the school requires proof that you are approved for the loan, ask the financial aid office which documents they require for proof that the loan is in process. After speaking with the financial aid office, contact your bursar to ask how they manage late fees and if they can be waived.
Our private education line of credit is available to thousands of public and private non-profits, degree-granting schools nationwide. Unfortunately, if your school is not included in our approved list, then you are not eligible at this time. However, you may wish to contact Metro Credit Union for other possible loan options. Please note that the eligible schools list is subject to change without notice.
No. The Metro Education Line of Credit does not have origination or other application fees. In addition, there are no prepayment fees.
- If you are transferring to a new college/university, you will need to first confirm that the school is approved for funding per our approved school list. If the school you are transferring to is approved, please contact our call center XXX-XXX-XXXX to be guided through the process.
- If the school you are transferring to is not on our approved school list you will not be eligible for the Metro Education Line of Credit. You will not be able to place any additional draws from your line, and once you separate or graduate from school, your line will close.
- You have several repayment options.
- You can choose to make interest-only payments while in school
- You can defer both principal and interest payments until six months after graduation
- You can make full payments while in school
- If you defer both principal and interest payments during school, interest begins accruing at disbursement and will be capitalized when you enter repayment.
- While you are in school, you can make a change to your repayment option once per academic year.
- A graduated repayment option is available once you’ve separated/graduated from school. Graduated Repayment provides lower payments during the first two years of repayment, after which the balance is amortized so that it will be paid in the standard repayment time frame.
- Variable Rate Option: the repayment term is 20 years if your principal balance at repayment is $40,000 or less, and 25 years if your principal balance at repayment is more than $40,000.
- Fixed Rate Option: the repayment schedule is fixed at 10 years regardless of the amount you borrow. Full repayment begins at the end of the grace period unless full repayment is selected during enrollment.
The amount you request from your line each year will be divided into a fall and spring disbursement by your school. If the funds from your line of credit exceed your billed charges and create a credit balance on your student account, your school will issue you a refund. Many students use this refund to reimburse themselves for charges they pay out of pocket. These charges can include books, transportation, a computer or laptop, and off-campus housing.
You can activate your debit or credit card at your convenience in iBanking or our mobile app via Card Controls. Please note, you must have the physical card with you to activate. If you do not have access to iBanking, you can always activate your card by calling our automated activation lines (available 24/7):
Debit Card activation line: 800.992.3808
Credit Card activation line: 800.270.5973
Yes, all our branches can provide a new debit card on the spot (not valid for business accounts).
There is a replacement fee of $10.00 for a lost debit card. Damaged debit cards may also be subject to a replacement fee.
To place a freeze on your debit card you may access the “Cards” menu from Metro’s iBanking or mobile app and change the card status. If you find your card, you can change your status back. If you are certain the card is lost, report the card missing by calling 877.MY.METRO (877.696.3876) and saying “lost debit card”, even if you have already blocked the card.
If there is an unauthorized transaction on your account, you should first attempt to resolve the matter with the merchant. If you are unable to resolve the situation, you can start a dispute by contacting our Fraud Dispute Team at 877.696.3876 and saying “dispute”. Transactions can only be disputed 60 days from the statement date in which the transaction occurred.
Yes, your card can be used anywhere VISA is accepted. For travel, we highly suggest placing a travel notification through Card Controls in Metro iBanking or mobile app, via a secure message in iBanking, or by speaking with a Digital Branch agent.
Yes, this fee is typically 1% of the purchase amount. However, it will vary depending on currency exchange rates.
UChoose Rewards allows you to redeem points for cash back on Metro Rewards Credit Card purchases. To access the information or to sign up just log in to iBanking from the full site and navigate to your credit card account. Click on the link for uChoose Rewards within the menu or on the card management page.
If there is an unauthorized transaction on your credit card, you should first attempt to resolve the matter with the merchant. If you are unable to resolve the situation, you can start a dispute by contacting our Fraud Dispute Team at 800.449.7728. Transactions can only be disputed 60 days from the statement date in which the transaction occurred.
You can select a new PIN by accessing Card Controls in iBanking or the mobile app, or by calling 888.886.0083.
There is a replacement fee of $10.00 for a new credit card.
All secured credit cards are subject to a $59.00 annual fee.
You can access this information by clicking on the “Credit Card” option at the top of the page. Once the page loads, select the card you would like more info on. This portal will allow you to review transactions, make payments from other institutions, view statements, and more!
The best way to make this payment is by clicking on the “Transfer” option at the top of iBanking, then “Transfers” again. Select the appropriate from/to accounts and click “Continue”.
You can set up automatic payments from an internal or external account by completing a Payment Authorization Form.
If you provided us with the wrong address or account number a stop payment may be needed. Please be aware that although we CAN submit a stop payment request, we cannot guarantee that it will be stopped in time.
A physical check is mailed out and can take around 15 days to post to the other institution – we recommend you continue to make your payments as usual until you see the balance transfer payment posted to the other institution’s account.
No, Metro does not charge a balance transfer fee.
Yes, rates for balance transfers can differ from POS purchases. Please refer to your account opening disclosure for details as this varies based on product type. You can find general information on our Credit Card rates here.
Interest accrues daily from when we process the request. If you have questions about finance charges or interest calculations for balance transfers, please refer to your account opening disclosure for details.
If a balance transfer is processed on a new card within the first 120 days, the rate is 7.99% for the 1st year – this is applicable to Metro Rewards and Metro Saver cards. You can find more information on our Credit Card rates here.
You can process a balance transfer at your convenience right in iBanking by clicking on the Credit Cards tab to access the Credit Card Portal. From there expand Manage Card and select Balance Transfer. Complete the form, accept the Terms and Conditions, and select Submit.
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