If you are currently a Metro member, please select “Current Member Application” and log into our online banking platform.
If you are a non-member, please select “New Member Application” to apply.
Courtesy Pay limits will be determined and assigned by Credit Union management, and limits may be changed by management without notice. Generally, your overdraft limit, not including Courtesy Pay fees, will be $400.
Your specific Courtesy Pay limit is available anytime by logging on to our mobile app or online banking.
Our Courtesy Pay fee is $33.
Our NSF Fee is $0 per transaction charge.
You will only be charged an Overdraft/Courtesy Pay fee on checks and ACHs if both of the following are true:
If you are opted into Courtesy Pay on your debit card, you will only be charged a fee if the following are true:
*Purchases at gas pumps will charge a fee if the posted amount overdraws the account by more than $50 (your available balance falls below negative $50).
Due to system limitations, in some cases a fee may be charged on transactions that are smaller than $5 or do not overdraw that account by more than $50. Those fees are generally waived within one business day and refunded to your account.
Note: We will not charge more than four (4) Overdraft/Courtesy Pay fees per day.
Yes, Metro will not charge more than four (4) Overdraft/Courtesy Pay fees per day.
Checks and other transactions on an account are paid based on available balance, not the actual balance. If a transaction presented for payment exceeds the available balance, we will treat it as presented against non-sufficient funds even if the account balance exceeds the amount of the transaction.
A simple explanation as to when Courtesy Pay fees are assessed would be:
If your actual balance and available balance are both $100 and you swipe your Visa Debit Card at a grocery store for $90, a hold is placed on your account and your available balance will be reduced to $10. Your actual balance is still $100 because the transaction has not yet posted to your account. If a $75 check clears your checking account before the grocery store charge is posted to your account, you will incur a Courtesy Pay fee, because your available balance was $10 when the $75 check was paid. The fee will also be deducted from your account, further reducing your available balance.
An overdraft occurs when money is withdrawn or transactions (checks, debit card purchases, electronic funds transfer, etc.) are paid from an account and the available balance goes below zero.
An overdraft is different than an NSF. An NSF (e.g., bounced check) occurs when a check, ACH, or another instrument is returned to the sender’s financial institution unpaid because the Available Balance is less than the amount of the transaction.
Your account balance (actual balance) is the amount of funds in your account at a point in time that have posted to your account. Your available balance is the amount of funds in the account that are available to pay items presented against the account without incurring an Overdraft/Courtesy Pay fee or causing an automatic transfer into the account. Your available balance reflects any preauthorization/deposit/check holds, etc.
The balance we use internally as transactions clear is called your account balance and includes all items that have cleared the account up to that point. This balance does not include outstanding (i.e., non-cleared) debit card purchases, checks, or automatic drafts (ACH).
Your available balance is the amount of funds in the account that are available to pay transactions presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the account balance, less the amount of any holds placed on the recent deposit, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized for payment but that have not yet posted to your account.
When you use your Visa Debit Card to conduct a “Signature or Credit” transaction (i.e., non-PIN), the merchant sends us the amount, usually the total, for authorization. This amount is placed on hold and removed from your available balance immediately. The hold is released when the transaction clears or after five (5) days, whichever comes first.
Note: debit card authorization holds do not apply to PIN based transactions. Those transactions reduce your available and account balance equally at the moment the transaction is processed.
No, the payment of transactions into overdraft status is discretionary. We reserve the right to refuse payment on any transaction. For example, we may not pay overdrafts if you do not regularly make deposits into your checking account.
I've had a great experience that's allowed me to establish credit with my first auto loan. Thank you Metro for giving me this opportunity.Jessica A.
I joined in 1990 & always receive great service. Technology has evolved for increased convenience & loan rates are great!Ann T.
I have been with Metro Credit Union since 1996. I wouldn't change to any other bank. Very friendly people and their service is outstanding.Tammy F.
They make banking easy. The mobile app allows quick access to activity going on in my account, and their tellers are great with ensuring the security of my account.Katherine V.
I have had multiple loans with Metro Credit Union, and they have stood beside me throughout the six years that I have been banking with themDuane T.
I have been a member of Metro Credit Union for 40 years. I have gotten car loans and other loans. Some of my children are banking there as well. Friendly and knowledgeable personnel at all locations. Love my credit union!Louise G.
I've done business with Metro for 7 years. Every branch is friendly and willing to do business to suit my needs. Referred to many friends.Brian G.
I love banking with Metro! I’ve never had an issue, whenever I have questions I write to them on the mobile app & they always answer quickly :)K.W.
It’s always a great experience at Metro Credit Union!Randy J.
Tellers are very friendly and able to answer questions and assist in timely manner. Also they have really good coffee for customers.Wendylyn M.
I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!Mohammed H.
