Metro Credit Union

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! 

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.

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.