Checking Accounts
Metro Credit Union gives you a choice of three terrific checking accounts. Look over the features of each account then decide which is best for you.
Metro's Classic Checking
Minimum Balance - None
Free Visa Check Card with no annual fee
Free Cash Corner ATM Network - with over 70 Omaha, Bellevue, Council Bluffs & Lincoln ATMs
Free Web Teller account access
Interest Bearing - Your choice, earn our Classic interest rate or select two free foreign ATM transactions per month
Free Non-Metro ATM Transactions - 2 per month
Free Checks - 50
Bill Payer - First 90 days free/ $4.95 per month after
Courtesy Pay Overdraft Limit - $300 without Direct Deposit, $500 with Direct Deposit
Metro's Executive Checking
Minimum Balance - $500 or $5,000 Household Balance
Free Visa Check Card with no annual fee
Free Cash Corner ATM Network - with over 70 Omaha Bellevue, Council Bluffs & Lincoln ATMs
Free Web Teller account access
Interest Bearing - Earn our Executive interest rate
Free Non-Metro ATM Transactions - 4 per month
Free Checks - 150
Bill Payer - Free
Courtesy Pay Overdraft limit - $300 without Direct Deposit, $500 with Direct Deposit
Metro's Premier Checking
Minimum Balance - $2,500 or $20,000 Household Balance
Free Visa Check Card with no annual fee
Free Cash Corner ATM Network - with over 70 Omaha Bellevue, Council Bluffs & Lincoln ATMs
Free Web Teller account access
Interest Bearing - Earn our Premier interest rate
Free Non-Metro ATM Transactions - 8 per month
Free Checks - Free
Bill Payer - Free
Courtesy Pay Overdraft limit - $300 without Direct Deposit, $500 with Direct Deposit
Courtesy Pay
What Is Courtesy Pay?
Courtesy Pay is a great new service that adds a measure of protection to your checking account. It can temporarily cover purchases and payments when sufficient funds are not available in your account. Courtesy Pay is not a loan and your checking account must be brought to a positive balance within 35 days.
- Will be cleared up with your next deposit
- No charge unless Courtesy Pay is accessed
Courtesy Pay Covers The Following Transactions:
- Checks
- Check card transactions (government regulations now require your approval for Check Card transactions).
- ACH transactions (automatic debits from your checking account)
- Bill Payer
- Online Banking Bill Pay
Courtesy Pay Does Not Cover The Following Transactions:
- ATM transactions
- In-person teller transactions
- Online banking transactions
Why Is Courtesy Pay For Me?
- Saves you fees from retailers
- Peace of mind from check collectors
- Saves you the embarrassment of having purchases denied
- Keeps your name in good standing with merchant verification systems
How Do I Sign Up For Courtesy Pay?
There is no application for this service. Members who have a checking account with Metro Credit Union and qualify, receive this courtesy automatically. Metro will automatically set a specific limit for your checking account. Eligibility requirements apply.
Does This Replace My Line of Credit?
No. If you have established other protection methods, such as a Line of Credit or automatic transfer from your other Metro accounts, we will always pay overdrafts by utilizing those other methods first.
Can I Opt Out Of This Courtesy Pay Program?
An account may be removed from Courtesy Pay protection at the account holder's request. The account will be removed from coverage and any non-sufficient fund items presented on the account will be returned.
Need More Information?
To learn more, contact one of Metro's friendly Financial Service Representatives at: 402.551.3052.
