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Checking

Checking with more perks and fewer fees.

Managing your money day-to-day is easier and more rewarding with a checking account at Metro. You'll find value, security, and convenience no matter which account you choose.

Ready to get started?

Metro Checking

  • 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
  • Metro Perks can save you up to $1,200 a year!5


New members can open an account by clicking the "Open now!" button below. Already a member? Log in to iBanking for a streamline way to open Metro Checking!

Open Now

Safeguard Checking

  • A safe and affordable option for those new to or looking to re-establish a checking account
  • Paperless Checking – no paper checks issued
  • Debit card for ATM and point-of-sale transactions
  • Free Metro iBanking and Mobile Banking
  • Get paid sooner with Early Pay direct deposit
  • Save Your Change - A convenient way to help you save by “rounding up” debit card purchases with the change deposited into your Metro savings account. Call 877.MY.METRO or visit a branch to enroll!

To open, visit any branch location.

Pair your checking account with a savings account!

See all savings accounts

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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.