We believe a checking account is more than just a place to store your money—it's a financial tool designed to make your life easier. Our checking accounts offer competitive features like no monthly maintenance fees, free online and mobile banking, and access to a nationwide network of surcharge-free ATMs. When you open an account with us, you'll enjoy the convenience of direct deposit, bill pay services, and mobile check deposit. Unlike large national banks, we offer checking accounts that come with real human connection. We take pride in providing personalized attention, quick problem-solving, and financial guidance tailored to your individual needs.
Details
- No monthly fee
- No minimum balance
- Surcharge-free ATMs through the Alliance One Network or Central Bank locations
- Free Online Banking with Bill Pay
- Free Mobile Banking with Mobile Deposit
- Overdraft protection options available
- Free Debit Card access with the option to round up purchases to your savings
Perks
Early Payday
We understand that financial flexibility can make a real difference in our members' lives. That's why we offer Early Pay, a feature designed to help you access your hard-earned wages up to two days faster than traditional banking. By providing early direct deposit and payroll deduction, we help you take control of your finances, reduce stress about bill payments, and avoid potential late fees. Our Early Pay service is automatic for qualifying direct deposit accounts, with no additional fees or complicated sign-up process. We believe in empowering our members to manage their money more effectively, giving you the financial breathing room you need.
Benefits
- Immediate Enrollment: No sign-up required; available for all with payroll deduction or direct deposit.
- Sooner Access: Get your paycheck early, giving you more control over your finances.
- Freedom to Enjoy: Pay bills early or indulge a little, with peace of mind.
How It Works
When your employer sends your paycheck details to us, we make the funds available a day or two before your normal payday.
Note: Please note that if your employer does not deposit funds in advance, you will get paid on the scheduled pay day.
To get started, ensure your direct deposit is set up with your Metro Plus checking account to enjoy this benefit!
Contact Us for sign up or to learn more.
Overdraft Protection
We understand that unexpected expenses can happen to anyone. Our Overdraft Protection service provides peace of mind by automatically transferring funds from your savings account to cover checking account transactions that would otherwise result in costly overdraft fees. Instead of being charged an overdraft fee, we'll simply transfer the needed amount between your accounts with a small transfer fee, saving you money and avoiding potential embarrassment. This service is free for our members to enroll in and can be easily set up online or at any of our branch locations. Protect yourself from unexpected financial shortfalls with our simple, affordable Overdraft Protection.
Oops Courtesy Pay Overdraft Protection
We understand that unexpected expenses can happen to anyone. That's why we offer Oops Courtesy Pay, a valuable service designed to help our members avoid costly overdraft fees and potential embarrassment. If you accidentally overdraw your checking account, Courtesy Pay provides a safety net by covering the transaction, saving you from declined purchases and multiple non-sufficient fund (NSF) charges. This service acts as a short-term financial cushion, giving you peace of mind and helping you manage temporary cash flow challenges. While Courtesy Pay does involve a fee, it's typically much lower than traditional overdraft penalties from other financial institutions. This service requires a sign-up process and approval, as it's not automatically available on all accounts. If you're interested in adding Oops Courtesy Pay to your account, reach out to us! Our team will guide you through the enrollment process, ensuring you have the necessary protection when life's surprises arise.
Open an Account