Who qualifies for a Metro Checking account?

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 .

Are there really no fees?

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

How does overdraft work if there isn’t a fee?

Overdrafts happen— and we’re prepared to help you through it. This is why we’ve increased the overdraft limit from $750 to $1,250. An increased limit allows you to cover your bills and expenses while you wait for a paycheck or deposit to clear.

What if I already have a checking account at Metro?

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.

What changes with my checking account if I switch from one to Metro Checking?

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.

If I have more than one Metro Checking, can I open more than one Membership Savings to earn the bonus rate on each?

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.

If I change my My Reward Checking to a Metro Checking mid-month, how are the ATM transactions counted and fees refunded?

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.

Metro Checking Comparison | Metro Credit Union

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Why Metro Checking Stands Out

No minimum balance requirement or monthly fee

UNLIMITED ATM fee refunds¹

3.00% APY² on your Membership Savings account

No insufficient funds fees and flexible overdraft options³

Deposits 100% insured with no limit

Earn rewards points⁴ for using your account - and redeem for cash in Metro iBanking

Unlock up to $1,200/year in savings⁵ on shopping, dining, travel, and more with Metro Perks.

See How We Compare to the Competition

Accurate as of March 04, 2026

Bank or CU	Monthly Fee	ATM Fee Refunds	Overdraft Fee	Interest	Rewards/Perks
Metro Checking	$0	Unlimited if 3 of 5 criteria met¹	No unpaid NSF fees; overdraft limit up to $1,250³	3.00% APY² on $3,000 if 3 of 5 criteria met	Metro Rewards and Metro Perks Programs
Salem Five⁶	$0	Unlimited reimbursement with $5,000+ balance	No unpaid NSF fees; charges paid overdrafts	x	Cash Back Debit Rewards
SoFi ⁷	$0	x	No fees; coverage up to $50	0.50% APY on checking; up to 3.30% APY on savings	SoFi Rewards Program
DCU Free ⁸	$0	$10 per month with $500+ direct deposit, $25 per month with multiple behaviors	Charges unpaid and paid NSF fees	Up to 0.20% APY on balances up to $1,000 and 5.00% on savings up to $1,000	x
Chime ⁹	$0	x	No fees; SpotMe up to $200	x	Chime Deals Purchase Rewards
Eastern Bank eZ ¹⁰	$10 (waived with multiple behaviors)	$10/month reimbursed	No unpaid NSF; charges paid overdrafts	x	x
Citizens Bank Quest ¹¹	$25 (waived with $5,000+ direct deposit or $25,000 balances)	x	Charges unpaid and paid NSF fees	0.2% APY	CitizensPlus Loyalty Program
TD Beyond Checking ¹²	$25 (waived with $2,500 daily balance or $5,000 direct deposit)	Reimbursed if $2,500 daily balance maintained	Charges unpaid and paid NSF fees	0.01% APY	x
Chase Total Checking ¹³	$15 (waived with $500 direct deposit or $1,500 daily balance)	x	No NSF fees for overdrafts under $50	x	x
Bank of America Advantage Plus ¹⁴	$12 (waived with $250 direct deposit or $1,500 balance)	x	No unpaid NSF; charges paid overdrafts	x	x
Santander ¹⁵	$10 (waived with any transaction/month)	x	Charges unpaid and paid NSF fees	x	x

Footnotes

Data pulled on March 04, 2026.

⁶ Data pulled from Salem Five: Our All-In-One Checking Account: https://www.salemfive.com/personal/accounts/open/

⁷ Data pulled from SoFi: Online Checking Account: https://www.sofi.com/banking/checking-account/

⁸ Data pulled from DCU: Free Checking Account: https://www.dcu.org/bank/checking/free-checking.html

⁹ Data pulled from Chime: Chime Online Checking Account: https://www.chime.com/online-banking/checking-account/

¹⁰ Data pulled from Eastern Bank: Eastern eZ Checking: https://www.easternbank.com/personal-banking/checking-accounts/ez-checking

¹¹ Data pulled from Citizens Bank: Citizens Quest® Checking: https://www.citizensbank.com/checking/quest-checking-account.aspx

¹² Data pulled from TD Bank: TD Beyond Checking: Premium Checking Account: https://www.td.com/us/en/personal-banking/checking-accounts/beyond

¹³ Data pulled from Chase Bank: Chase Total Checking®: https://www.chase.com/personal/checking/total-checking

¹⁴ Data pulled from Bank of America: Bank of America Advantage Banking: https://www.bankofamerica.com/deposits/checking/advantage-banking/

¹⁵ Data pulled from Santander: Simply Right® Checking: https://www.santanderbank.com/personal/checking/simply-right-checking

The Credit Union Difference

When you bank with Metro, you’re a part of something bigger. As a not‑for‑profit financial institution, we reinvest earnings into programs and services that strengthen our members and the communities we serve. Choose a partner committed to people, not profits.

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Rates shown are for new accounts opened and are subject to change after account opening. Fees may reduce earnings. After account opening, the current rate can be found within Metro iBanking and on the account statement.

¹ATM fees charged by other ATM owners (3rd Party ATM Fees) are reimbursed, provided you meet three of the following criteria each month. Qualifying transactions must post and clear by the last business day of the month. (1) eCommunications opt in (2) Direct Deposit of at least $500.00 per month into your Metro Checking Account (3) Debit Card Purchases at least 5 times per month (each transaction must be for $1.00 or more) (4) Active Metro loan (includes credit card or student loan) (5) Average monthly balance greater than $5,000.00 in your Metro Checking Account. ATM fees will be aggregated and credited to your Metro Checking Account monthly.

²Provided you meet three of the following criteria each month you may be eligible for a higher rate on your Membership Savings Account as outlined in our Rates. Qualifying transactions must post and clear by the last business day of the month. (1) eCommunications opt in (2) Direct Deposit of at least $500.00 per month into your Metro Checking Account (3) Debit Card Purchases at least 5 times per month (each transaction must be for $1.00 or more) (4) Active Metro loan (includes credit card or student loan) (5) Average monthly balance greater than $5,000.00 in your Metro Checking Account. Learn more about your Metro membership at www.MetroCU.org/MembershipAgreement. Fees may reduce earnings. APY is a variable rate and may change after the account is opened. APY is current as of 6/2/25.

³Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we may not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. Learn more about our policies for overdraft fees here. You must bring the account to a positive balance within 10 calendar days after the first transaction that creates a negative balance on your account.

⁴Rewardable activities and redeemable options are subject to change without advanced notice. Terms and Conditions.

⁵When you meet three of the following criteria in any one month, you will be made eligible for a premium package of value-added benefits in partnership with BaZing as outlined on our website at MetroCU.org. Qualifying transactions must post and clear by the last business day of the month. Activation of benefits is required. (1) eCommunications opt in (2) Direct Deposit of at least $500.00 per month into your Metro Checking Account (3) Debit Card Purchases at least 5 times per month (each transaction must be for $1.00 or more) (4) Active Metro loan (includes credit card or student loan) (5) Average monthly balance greater than $5,000.00 in your Metro Checking Account.

Metro Checking

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Why Metro Checking Stands Out

See How We Compare to the Competition

Bank or CU

Monthly Fee

ATM Fee Refunds

Overdraft Fee

Interest

Rewards/Perks

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x

x

x

x

x

x

x

x

x

x

x

x

x

x

x

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The Credit Union Difference

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