Home Equity Line of Credit (HELOC)

<div><p>Managing your finances should be convenient and hassle-free. With Metro&rsquo;s online banking tools, you have the freedom to do your banking anywhere, at any time. And with our mobile app you can perform everyday financial tasks directly from your smartphone. Whether it's paying bills or transferring money to friends and family, you can do it yourself with just a few simple taps.&nbsp;</p></div><div><p>To get started with Metro 's online banking and mobile app, follow these simple steps:</p></div><h3>Step 1: Enroll in Online Banking</h3><p>To enroll, visit Metro&rsquo;s website and look for the option to enroll in <a target="_blank" href="/services/online-banking">online banking</a>. You'll be asked to provide some personal information, including your Social Security Number (SSN) or Tax Identification Number (TaxID), as well as your account number. Once you've completed this quick enrollment process and set up your login credentials, you're ready to explore the features.&nbsp;</p><h3>Step 2: Sign In and Explore the Features</h3><div><p>When you&rsquo;re ready, sign in using the username and password you created during the online banking enrollment process. Take some time to explore the online banking features and functionalities, including:</p></div><h4>Checking Balances</h4><div><p>Easily view the balances of your accounts (checking, savings, credit cards, certificates) right from the &ldquo;Accounts" section. This gives you a quick snapshot of your financial status.</p></div><h4>Transferring Funds</h4><div><p>Transfer money between your accounts or to external accounts. You can set up recurring transfers and schedule future transfers.</p></div><h4>Making Payments</h4><div><p>Transfer money to friends or family and manage your payment history all in one place. Set up automatic payments for regular bills to ensure you never miss a due date.</p></div><h4>Viewing Statements</h4><div><p>Access your account statements electronically, allowing you to view, download, and save statements for future reference. This helps you track your spending, income, and account activity.</p></div><h4>Applying for Loans</h4><div><p>Apply for loans directly from online banking like personal loans, auto loans, and home equity lines of credit (HELOC). Complete the application process conveniently and track the status of your application.</p></div><h4>Opening Accounts</h4><div><p>Open new accounts, whether it's a savings account, checking account, or a certificate. The platform guides you through the account opening process and provides details about account features.</p></div><div><h4>Messaging</h4></div><div><p>Communicate securely with Metro's Contact Center through the secure Massage Center tool. Ask questions and get help with transactions.</p></div><h4>Card Controls</h4><div><p>With card controls, you can freeze, increase daily limits, and block or replace cards. Easily order a card reprint with a tap. Instantly block your card if it's lost or stolen and increase daily spending limits in seconds.</p></div><h4>Remote Deposit Capture (RDC)</h4><div><p>Save time and hassle by depositing checks from anywhere, without the need to visit an ITM or branch. Deposit on your own terms, hassle-free.</p></div><h4>Alerts</h4><div><p>Customize notifications for various transactions and account activities, such as failed transfers, additions of external transfers, reaching specific balances, and more. Stay informed and in control of your finances by receiving real-time alerts through SMS, email, or in-app notifications.</p></div><h3>Step 3: Download the Mobile App</h3><div><p>Now, it's time to download and set up the mobile app on your smartphone by <a href="https://my.metrofcu.org/Registration" target="_blank" data-sf-ec-immutable="">clicking here</a>. You can also find the app in the Apple App Store for iOS devices or Google Play Store for Android devices.&nbsp;</p><p><a href="https://apps.apple.com/us/app/metro-credit-union-omaha/id931656579" target="_blank" data-sf-ec-immutable=""><img src="/images/default-source/default-album/apple-app-tmb-esize-200-.png?sfvrsn=4401cd71_0" sf-size="7176" alt="Download on the app store" /></a> <a href="https://play.google.com/store/apps/details?id=com.metrohealthcu.mfm&amp;hl=en_US" target="_blank" data-sf-ec-immutable=""><img src="/images/default-source/default-album/google-play-download-tmb-esize-215-.png?sfvrsn=fcac712d_0" sf-size="5788" alt="google-play" /></a></p></div><div><p>Again, when you&rsquo;re ready to sign in to the mobile app, use the username and password you created during the online banking enrollment process. In addition to all the features included in online banking, you&rsquo;ll find that you can customize your mobile app experience.</p></div><h3>Step 4: Stay Informed and Secure</h3><div><p>As you begin using Metro&rsquo;s online banking services, it's essential to stay informed about security best practices. Metro prioritizes the security of your financial information and offers strong security features to help keep your accounts safe. Take advantage of features like biometric and two-factor authentication, secure messaging, and transaction alerts to protect your sensitive data.</p></div><h3>Step 5: Enjoy the Benefits of Online Banking</h3><div>With Metro Credit Union online banking, you can enjoy the convenience of managing your finances anytime, anywhere. Whether you're checking your account balance on the go, paying bills on your laptop, or depositing a check via smartphone with just a few taps, our online banking and mobile app tools put the power of Metro at your fingertips.</div><div><br /></div>

<p>Natural disasters can have a big impact on communities, leaving behind not just physical damage but also financial vulnerabilities. However, it's important to be cautious to avoid falling victim to scams as scammers often prey on those who are already struggling. To help you navigate this challenging period and protect yourself from scams, check out these simple yet effective tips from the Federal Trade Commission:</p><ol><li><strong>Take Your Time:</strong> Don't rush into decisions. Research and think carefully before agreeing to sign a contract.</li><li><strong>Watch Out for Upfront Payment Requests:</strong> Be cautious if someone asks for money before starting work other than negotiating a reasonable down payment.</li><li><strong>Check for Licenses:</strong> Make sure contractors have the right licenses for their work. Don't trust those who say they don't need to be licensed.</li><li><strong>Stick with local contractors:</strong> Choosing local contractors after a disaster is smart. They know the rules, are easy to reach, and help your community recover faster.</li><li><strong>Use Standard Payments:</strong> Use normal payment methods like cash, credit cards or checks. Don't fall for unusual payment methods like wire transfers or gift cards that are difficult to get back once they&rsquo;ve been collected. Cashier&rsquo;s checks are guaranteed funds if a contractor says they don&rsquo;t accept checks.</li><li><strong>Consider your choices:</strong> Reach out to multiple contractors for estimates. Analyze the specifics of the project, including materials, timeline, and cost. Utilize online reviews to gather insights from others; platforms like BBB and the Chamber of Commerce can be particularly helpful resources in this regard.</li><li><strong>Permits and Regulations:</strong> Make sure your contractors have the right permits for their work. Since permit fees are currently waived in several communities, there&rsquo;s no reason for them not to get the necessary permits. This step helps guarantee that the work is done correctly and meets local regulations.</li><li><strong>Get Invoices and Receipts:</strong> Keep good records and never make final payment until the work is done and you&rsquo;ve signed off on it.</li><li><strong>Report Suspicious Activity:</strong> If something seems strange, report it to the right people. This helps protect everyone.</li></ol><p>For a complete overview of how to recognize and avoid scams after natural disasters, as well as other related guidance, see <a href="https://consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-disasters">How to Avoid Scams After Weather Emergencies and Natural Disasters</a> (ftc.gov, 2024).</p>

<p>Imagine this: you're part of Generation Z, a generation facing unique financial challenges in an ever-changing world. You're just starting your financial journey, but what happens when your car suddenly breaks down, you face unexpected medical bills, or perhaps you lose your job without warning? </p><p><img src="/images/default-source/blog-article-images/untitled-7.png?sfvrsn=e7f9bf1_1" style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;" sf-size="100" alt="" /><br /></p><p>These real-life scenarios can be a massive financial blow, and that's where an emergency fund comes to your rescue.</p><h3>Defining Your Lifeline: The Emergency Fund</h3><p>So, what exactly is an emergency savings fund? It's not just for saving on rainy days; it&rsquo;s money set aside specifically for unexpected expenses. It's your safety net, a financial cushion that offers peace of mind when life takes an unexpected turn. Not only does an emergency fund prevent you from sinking into debt, but it also helps you maintain financial independence during turbulent times.</p><p>&nbsp;</p><h3>Here's why an emergency fund is a game-changer for Gen Zers:</h3><ul><li><strong>Financial Safety Net:</strong> In times of uncertainty, having an emergency fund acts as a vital financial safety net. Think of it as your financial cushion, ready to support you when unexpected challenges arise. It provides peace of mind that you're well-prepared for life's unpredictable moments.</li><li><strong>Less Stress:</strong> Money problems are one of the leading causes of stress. Having an emergency fund can help you sleep better at night, knowing you have a financial buffer.</li><li><strong>Avoiding Debt: </strong>You might find yourself turning to credit cards or loans to handle unexpected expenses. This can set you on a path towards debt accumulation, potentially leading to a financial crisis.</li><li><strong>Financial Independence:</strong> With an emergency fund, you don't have to rely on others, apply for a loan, or go into credit card debt when you face financial crises. You're in control of your finances.</li></ul><h3>&nbsp;</h3><h3>Building Your Emergency Fund: A Step-by-Step Guide</h3><ul><li><strong>Determine Your Goal:</strong> The first step is to set a realistic savings goal. While financial experts often recommend having at least three to six months worth of living expenses saved, aim for what feels comfortable to you in order to handle your costs of living.</li><li><strong>Open a Separate Savings Account:</strong> To prevent the temptation of dipping into your emergency fund for non-urgent expenses, consider opening a separate savings account. Metro Credit Union offers competitive <a href="/accounts/savings-accounts" target="_blank">savings account options</a> that can help you get started when you decide it&rsquo;s time to build your emergency fund.</li><li><strong>Automate Your Savings:</strong> Set up an automatic transfer from your checking account to your emergency fund. Start with an amount that won't disrupt your regular spending, and gradually increase it over time.</li><li><strong>Cut Unnecessary Expenses:</strong> Analyze your financial decisions and take a closer look at your spending habits. Identify areas where you can cut back. You'd be surprised at how those little savings can add up over time.<ins cite="mailto:Microsoft%20Office%20User" datetime="2023-11-29T10:29"> </ins></li><li><strong>Windfalls and Bonuses:</strong> Whenever you receive a bonus, tax refund, or unexpected windfall, consider allocating a portion to your emergency fund. This accelerates your progress.</li><li><strong>Stay Consistent:</strong> Building an emergency fund takes time. Stay consistent and patient. The key is to make it a habit.</li></ul><p>&nbsp;</p><h3>Why Choose Metro Credit Union</h3><p>At Metro Credit Union, we understand the importance of financial stability. We're not just your typical financial institution; we're your partner in achieving your financial goals. Here's how we can assist you:</p><h4>Savings Accounts</h4><p>We offer competitive interest rates on our <a href="/accounts/savings-accounts" target="_blank">savings accounts</a>, helping your emergency fund grow faster.</p><h4>Financial Education</h4><p>We provide <a href="/resources/save-and-succeed" target="_blank">resources</a> and guidance on financial literacy, helping you make informed decisions about your money.</p><h4>Personalized Support</h4><p>Our dedicated team is here to assist you at every step of your financial journey. Whether you're opening your first savings account or planning for a major financial goal, we're here to help.</p><p>&nbsp;</p><h3>Start Preparing for Life&rsquo;s Uncertainties Today</h3><p>In a world of financial uncertainty, an emergency fund stands as your safety net, ensuring tranquility and financial stability. As you embark on the journey to fortify your financial future, consider this &ndash; having an emergency fund isn't about pessimism; it's about being prepared for life's uncertainties. </p><p>&nbsp;</p><div><br /></div>