Omaha Metro Credit Union

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 - 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 - 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 - 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

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.

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