General FAQs  |  Online Banking  |  Bill Pay  |  Mobile Banking  | Remote Deposit  | Mortgages | Visa CheckoutWhat is a Credit Union? |


How do I become a member of Metro?
There are three easy ways to become a member of Metro: Online, at a branch, or through Metro@work.
What is Metro’s routing number?
Metro’s routing number is 211381990
Where are Metro’s branches located?
You can view a listing of all Metro branches here.
How can I make a deposit?
You can make deposits into your Metro account several ways:

When will my Christmas Club and/or Vacation Club funds be disbursed?
You will receive your Christmas Club funds October 1st and Vacation Club funds May 1st through automatic transfer to another Metro account. 
How do I sign up for eStatements?
Click here to learn how to sign up for eStatements.



How do I choose the right mortgage?
Metro offers a wide variety of mortgage options, and we are happy to help you choose what’s right for you. Call 877-628-5626 to speak with a Mortgage Specialist.
How do I apply for a mortgage?
Apply for a mortgage with Metro is easy. Just complete our online application.
What information do I need to be able to apply for a mortgage?
When you apply for a mortgage loan there are several items that you need to provide your lender. These items are necessary in helping lenders determine an approved amount for your mortgage loan. You will need:

  • Employment history for 2 years
  • Last 2 years of W2 forms
  • Two most recent pay stubs
  • Bank statements from the last 2 months including 401k or other retirement accounts
  • Most recent investment statement (stocks, mutual funds, etc.), if applicable
  • Account numbers, balances, monthly payments and creditor addresses on any outstanding loans
  • Copy of Purchase & Sale Agreement or Contract to Purchase, if applicable
  • If self-employed or own other real estate, signed last 2 years of Federal Tax Returns (Corporate Returns, if applicable)
  • If you rent, 12 months of cancelled checks, including landlord's name and address
  • Other documents may be required, if necessary 

What are the benefits of a fixed rate mortgage?
Fixed rate mortgages have a set interest rate, so the payment stays the same for the life of the loan. Choose a fixed rate mortgage if you plan to own your home for a longer period of time and prefer the predictability of a fixed monthly payment.
What are the benefits of an adjustable rate mortgage?
With an Adjustable Rate Mortgage (ARM), your initial interest rate is set for 5, 7, 10, or 15 years. After that time your rate could increase or decrease. ARMs usually offer a lower beginning rate compared to a traditional fixed rate mortgage, which may provide you with lower monthly payments initially.

What happens at the loan closing?
Both buyer and seller agree to transact the home with the help of their realtors, the closing agent and their attorneys. Buyers sign their promissory note, mortgage documents and the Truth-in-Lending Statement (TIL). Closing costs are collected at this time too. They will be itemized on the HUD-1 statement for easy review. Both parties sign paperwork that transfers ownership of the home from seller to buyer. Buyer’s get keys, codes and access to the home that is now theirs.
What Does My Mortgage Payment Include?
Usually, your monthly mortgage payment is made up of four parts: principal, interest, taxes and insurance, but it can also include maintenance expenses, such as condominium homeowners' association dues.
The principal is the amount in your monthly payment that reduces the original amount borrowed. Over the life of a standard mortgage loan, the entire original amount borrowed is generally scheduled to be fully paid off, or amortized. The interest rate is the fee charged to borrow the outstanding balance for the past month. In addition, a monthly amount may be collected and held in a separate escrow account to cover property taxes, homeowner's insurance and mortgage insurance. Your lender uses the money in the escrow account to pay your tax and insurance bills, as they come due.
What is PMI?
PMI (Private Mortgage Insurance) is special insurance that protects the lender in case of borrower default. It's typically required when the borrower makes less than a 20% down payment.

For more information on the entire home buying process, visit our Homebuyer's Resource Center.

Visa Checkout

What is Visa Checkout?
Visa Checkout allows you to safely and conveniently enroll your Metro Visa Cards and shipping information to make purchases online in fewer steps. Once registered, you can make a purchase with your Metro Visa® Debit or Credit card with just two clicks versus completing multiple payment and shipping pages.

Why should I enroll in Visa Checkout?
Visa Checkout makes it easier for you to complete online and mobile purchases because it:
•    Reduces the number of payment screens to just two, eliminating the need to re-enter shipping and billing addresses
•    Offers a consistent, simple experience across desktop, mobile, web and apps
•    Offers an experience which never requires shoppers to leave the merchant’s website to complete a purchase
•    Offers the option to pay more easily with your Metro Credit Union Visa card

Which Metro cards can be enrolled?
Consumer and Business Visa Credit and Debit cards can be enrolled in Visa Checkout and used at any participating online merchant.

How do I sign up for Visa Checkout?
Visit www.metrocu.org/visacheckout and click the Enroll in Visa Checkout button. You’ll be able to establish your initial profile, create your password and add payment methods & shipping addresses to your account. You can also sign up for an account if you’re shopping on a website that accepts Visa Checkout. When you see the Visa Checkout option, select it and follow the enrollment steps.

Where is Visa Checkout accepted?
A list of online stores currently accepting Visa Checkout can be found at www.visacheckout.com. Visa is continually adding to the list of online stores who accept Visa Checkout. Please check the home site periodically for the latest merchant information.

How will I know if a merchant accepts Visa Checkout?
You’ll know that a merchant accepts Visa Checkout if you see the Visa Checkout logo.

Is there a cost to participate or a fee to use Visa Checkout?
No, there is no cost to participate or a fee to use Visa Checkout.

How is my Visa Checkout account information protected?
Visa has a wealth of experience handling sensitive information. Visa uses advanced security technologies to help protect your information, including industry standard encryption and multilayer authentication.

Is Visa Checkout available as a mobile app?
Visa Checkout can be accessed using any web-enabled mobile device.

What information needs to be entered to create a Visa Checkout account?
Simply enter your name, a valid email address, phone number (optional) and create a password.

Once enrolled, what can I do with Visa Checkout?
Once you’ve created your Visa Checkout account, you can use it to complete purchases without re-entering payment and shipping information at any online store where Visa Checkout is accepted. Simply enter your User Name and Password, or just your password if you use the ‘remember me’ option.
You can also:
•    Edit card details
•    Add a payment option
•    Set a default payment method and shipping address
•    Add frequently used shipping addresses

Can I enroll using a mobile number?
Yes, you can enroll using a mobile number and password. You will still be required to provide Visa with an email address for communication purposes.

What are the minimum Visa Checkout password requirements?
To meet the minimum requirements, a Visa Checkout password must:
•    Have at least 6 (six) characters and a maximum of 32 characters
•    Not be the same as 5 (five) consecutive characters of the user ID
•    Passwords are case sensitive and allow for these special characters: ! @ # $ % ^ & * ?
•    Cannot contain any spaces or any repeating 3 (three) characters

How can I change my Visa Checkout password?
Just sign into your Visa Checkout account and select the “Account Settings” link and then the "Account Information" link.

What should I do if I forget my password?
Click the "Forgot Password?" link on the sign in page on the Visa Checkout website. Visa Checkout will send instructions to your enrolled email address to reset your Visa Checkout password.

How do I pay with Visa Checkout?
When you shop online at merchants that accept Visa Checkout, you’ll see a “Checkout with Visa Checkout” button at checkout. Once you’ve created a Visa Checkout account, all you need to do to pay at these sites is sign in with your email address and password.

How can I contact Visa Checkout customer support? 
For questions regarding your Visa Checkout account, please contact Visa Checkout support at support@mail.checkout.visa.com or call 1-855-847-2032, then enter your access code or press number 1 (24x7, except Christmas and New Year’s Day). If calling from outside of the US or Canada, customers can call 303-967-1041, then enter your access code or press number 1. **International calling rates may apply.

What is a Credit Union?

What is a credit union?
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.

How did credit unions start?
The 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 in this country 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.

Who can join a credit union?
A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or professional group.