Metro Credit Union

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 only be completed at any branch location, an appointment is not required but highly recommended. Metro cannot perform wires over the phone or via an email request, this is an in-person service only.

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.

Metro’s routing number is: 211381990

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.

Yes, you may open an account online as a brand-new member by clicking “Open Now” on MetroCU.org checking or savings pages. If you’re an existing member looking to open a new account, you can enjoy a faster, easier experience by logging into iBanking and opening an account.

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 forms of identification, and funds to deposit at account opening. Acceptable primary IDs are a driver’s license, US passport, current resident alien card, US government military ID. Acceptable secondary IDs are a payroll ID with photo, firearms ID with photo, major credit card, debit card with VISA or Master Card logo. Learn more: How do I become a Member?

You can place a stop payment in person at a branch, over the phone with Member Services, or via iBanking.

You can dispute an ACH transaction in person at a branch, over the phone with Member Services, or via secure message in iBanking. 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, or via secure message in iBanking. 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 or by calling Member Services.

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 or via email for the documents to be sent to you.

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 or via email for the documents to be sent to you.

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 or email to start the process.

You will receive your Christmas Club funds October 1^st and Vacation Club funds May 1^st through automatic transfer to the bank account you choose for disbursement.

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 calling us at 877.696.3876.

You can apply for a loan on our website, over the phone, or in person at a branch.

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.

• 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.

• 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.

• 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.

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:
  • Metro Pay
    • Click here to sign in or enroll into Metro Pay
    • one-time payment option only
    • $25,000 max per transaction
    • You cannot pay a credit card or commercial loan
    • No fee
  • 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
• 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 option 2)
• Visit a branch to make a payment
• Mail in a check for payment
  • Verify mailing address on your loan bill

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.

The Power of Attorney is requested through CULA Turnin@CULA.com. They will mail or email it directly to you.

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

Please email our Loan Team at LoanServicing@MetroCU.org for assistance.

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.

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.

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.

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. Please call us at 877.MY.METRO option 3; iBanking support is available 24/7. You may also visit a branch for assistance. We are unable to access password reset requests via email.

Statements are available by clicking on eDocuments while logged into iBanking on MetroCU.org or by selecting “Menu”, then scrolling to eDocuments from the mobile app. Statements can only be printed when opened from the full iBanking site on MetroCU.org.

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.

Yes! To activate these services, select “Menu” from within the mobile app, then “Self Service Center”. From there, select “Manage Fingerprint/Face ID” and follow the on-screen prompts.

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 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.

If your card offers rewards, you can visit CURewards.com or call 800.637.7728 for more information.

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 within 60 days of being posted to your account.

You can select a new PIN 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 “Accounts” option at the top of the page, then “Credit Cards”. Once the page loads, click on “Credit Card Portal” on the right-hand side of the page. 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 “Accounts” option at the top of iBanking, then “Credit Cards”. Select the appropriate card from the drop down and enter the remaining payment information.

You can set up automatic payments from an internal or external account by completing a Payment Authorization Form. You have the option to pay the full balance or minimum balance. You can request a form in person at a branch, over the phone, via email, or through secure message in iBanking.

To activate your debit card or reset your PIN, please call 800.992.3808. This automated line is available 24/7.

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 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) option 4, 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 option 4. Transactions can only be disputed within 60 days of being posted to your account.

Yes, your card can be used anywhere VISA is accepted. For travel, we highly suggest placing a travel notification through CardValet in the Metro mobile app, via a secure message in iBanking or by calling Member Services.

Yes, this fee is typically 1% of the purchase amount. However, it will vary depending on currency exchange rates.

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.