FAQs

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

General

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.


Online Banking

What do I need to log in to Online Banking for the first time?
You will need to enroll in Online Banking using your Metro Account Number and your Social Security Number.
 
What are the password requirements for Online Banking?
You will be required to create a password with a minimum of 8 characters, upper and lower case letters, and at least one number.
 
Where do I go to view my mortgage account details?
On the main Online Banking overview page, under Services, click “mortgage account details”. A window will pop up, and you will need to click Continue. This will bring you to the list of your mortgage account details.
 
Where do I go to view my credit card account details?
On the main Online Banking overview page, under Services, click “credit card account details”. A window will pop up, and you will need to click Continue. This will bring you to a page where, due to the conversion, you will need to re-enroll in order to view your credit card account details. To add additional credit card accounts once you have re-enrolled, you will need to select Services > Manage Card > Add Card.
 
Where are my eStatements?
To view your eStatements, click on an account from the main Online Banking overview page, and on the Account Details page, click Statements. A window will pop up, and you will need to click Continue. This will bring you to the list of your statements.
 
Where do I go to update my personal information in Online Banking?
To update your personal information, including your User ID, password, address, phone number, and email, click Settings in the top right corner of Online Banking, click the plus next to Profile, and select which information you’d like to update. You will be required to enter a verification code in order to complete the change.
 
Where do I go to set up alerts in Online Banking?
To set up alerts, click Settings in the top right corner of Online Banking, click the plus next to Security and Alerts, click Alerts, and enter the required information. To send alerts to your mobile device, you must first enroll in Mobile Banking by clicking Mobile from the top right navigation and selecting "Alerts".
 
Where do I change the account nickname?
To change your account nicknames, click Settings in the top right corner of Online Banking, and click the plus next to Accounts, click on the account you would like to rename, and enter the nickname in the pop up window.


Bill Pay

How do I access Bill Pay? 
To access Bill Pay, log in to Online Banking and click Pay Bills in the top navigation. This will bring you to the Payment Center. 

How do I set up a bill payment?
Select the automatic payment icon that appears in the Pay Bills section of the Payment Center. Go to Manage My Bills where you can change the options for your automatic payment. These options affect all current and future payments for the bill that are scheduled automatically. You can also go directly to Manage My Bills, select the bill, and then select the option to change your automatic payment options. 

When will money be withdrawn from my account? 
With Bill Pay, money will be withdrawn from your account on the date you select on the calendar. 

How do I set up eBills in Online Banking? 
If you have billers that offer e-bill service, you can add one or more e-bills by going to: The Payment Center and clicking on the eBills icon. Manage My Bills, selecting the biller, and clicking Add an e-bill. 

Can I view my bill payment history? 
History will be available for viewing in Bill Pay by clicking the Bill History link. 

How do I cancel a payment? 
In the Pending Payments section, click the Cancel link next to the bill you want to cancel. 

Can I transfer money between accounts? 
Yes, you will be able to transfer money between accounts. You can transfer money between your Metro accounts by clicking the Transfers link from the top main navigation of Online Banking. For Bank to Bank transfers, you will need to access Bill Pay, and click Transfer Money within the Bill Pay navigation. You will need to have a checking account or money market checking account with Metro to take advantage of Bank to Bank transfers. 

Can I view my transfer history? 
Yes, your transfer history will be available in Pay Bills > Transfer Money > History. The page will show all of your transfers, including pending, processing, processed, failed, and canceled transfers.
 


Mobile Banking

How do I enroll in Metro’s Mobile Banking?
To enroll in Metro’s Mobile Banking, log in to Online Banking, click the Mobile link in the top right corner, and complete the steps to sign up.
 
How do I get the Mobile App?
Metro’s new Mobile App is available to download from the Apple Store, Google Play, and Amazon Appstore. You will need to log in to the Online Banking system first before you can access the app. You will then be able to access the Mobile App using the User ID and password you established for Online Banking.
 
My phone doesn’t have internet access. Can I still use Metro’s Mobile Banking?
Yes – all you need is a phone with text messaging. You can receive account alerts and send a text to view account balance or transaction history.
 
Is Mobile Banking secure?
Yes. A personal password and phone activation code keeps your information safe.
 
Can I use Metro’s Mobile Banking on more than one phone?
Yes. You can add phones, change services, or cancel at any time from the Mobile setup screen in Online Banking.


Remote Deposit

What is Remote Deposit?
Remote Deposit is a convenient, secure and free service offered by Metro Credit Union. Using your smartphone or tablet, you are able to take digital images of your checks and deposit them into your Metro Credit Union Account.

How does Remote Deposit work?
Remote Deposit gives Metro Credit Union members the ability to deposit a check into their account from a remote location without having to physically deliver the check to the credit union. This is accomplished by taking a picture with a smartphone or tablet, then transmitting that image using Remote Deposit. Remote Deposit allows the credit union to capture information from a check and process it electronically.

How do I sign up for Remote Deposit?
Download the Metro Credit Union App to your smart phone or tablet and log in to your account with your current user name and password. Then select the Deposit Checks option from the main menu.

*Remote deposit capture is available for both Apple iPhones/iPad, Android smart phones/tablets, and Kindle through our Mobile App. Our Mobile App can be downloaded through the Apple App Store, Google Play Store, and Amazon store.

What are the requirements to use Remote Deposit?
• Valid email address
• Metro Online Banking user
• Personal Accounts only
*If you are not a current online banking user, click here for instructions on how to enroll.

What are the deposit limits?
Limit per deposit is $5,000.00; Limit per day is $5,000.00. Limits noted are maximums.

Does the check need to be endorsed?
Yes, all checks should be signed and include the following on the back of the check:
• Payee signature
• For Mobile Deposit Only
• Account Number and Suffix
• Metrocu.org on (MM/DD/YYYY)

How long should I hold onto the check(s) after I scan and deposit them?
You are required to store the original checks in a secure area, for 7 days after the deposit. After 7 days, you agree to destroy the original check(s).

Are there any types of checks that cannot be submitted using Remote Deposit Capture?   
1) Any item that is stamped with a “non-negotiable” watermark.
2) Any item that contains evidence of alteration to the information on the check.
2) Any item issued by a financial institution in a foreign country.
4) Any item that is incomplete.
5) Any item that is “stale dated” or “postdated”. 
6)  Savings Bonds.
7) Third party checks.

How do I get help if encounter a problem?
Remote Deposit is an easy-to-use, self-service product with built-in instructions and helpful hints. You can also contact Metro Credit Union at 877-MY-METRO or by email at memberservices@metrocu.org.


Mortgages

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.