Metro Credit Union

For up-to-date branch hours and information please visit www.metrocu.org/locations.

Do your branches offer appointments?

How do I initiate a wire transfer?

A wire transfer can be completed electronically with an agent or in person at a branch. To start your request with a digital branch agent, initiate a chat (icon in the lower right hand corner) and ask for an agent. For branch requests, an appointment is not required but highly recommended.

Do you offer notary services?

Yes, notary services are available for members and non-members at all branch locations. An appointment is not required, but highly recommended.

Do you offer Medallion Signature Guarantees?

Yes, Metro offers Medallion Signature Guarantees for members only at the Burlington, Boston – Mass Ave, Boston – Dorchester, Chelsea – Main, and Framingham branches. Appointments are required. Requests for signature guarantees cannot exceed $250,000.

Are coin machines available at all branches?

Coin machines are available free of charge to members at all locations except our Burlington and Medford branchs.

Do you offer after hours support?

Limited after-hours support is available for iBanking, debit cards, and credit cards at 877.696.3876. For all other inquires, you may reach out via secure message in iBanking, email, or call during regular business hours.

Where are Metro’s branches located?

You can view a listing of all Metro branches here.

Who can join a credit union?

A credit union exists to serve a specific group of people. This is called a "field of membership". The field of membership may include the community where they live, where they work, or their membership in a social or professional group.

What is a credit union?

A credit union is a not for profit financial cooperative. It is member-owned and controlled through a board of directors elected by the membership. The board establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.

How did credit unions start?

The very first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started for US in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.

Account Questions.

What is Metro’s routing number?

Metro’s routing number is: 211381990

Can I open an account online?

Yes, you may open an account online as a brand-new member by clicking “Open Now” on MetroCU.org checking or savings pages. If you’re an existing member looking to open a new account, you can enjoy a faster, easier experience by logging into iBanking and opening an account.

How do I make a deposit at Metro?

You can make deposits into your Metro account several ways:

What are the requirements to open an account?

You will need a social security or tax ID number, 2-3 forms of identification, and funds to deposit at account opening. Acceptable forms of primary, secondary, and tertiary IDs can be found here: How do I become a Member?

How do I place a stop payment?

You can place a stop payment in person at a branch, over the phone with Member Services, via iBanking, or with a Digital Branch agent.

How do I dispute an ACH transaction?

You can dispute an ACH transaction in person at a branch, over the phone with Member Services, via secure message in iBanking, or with a Digital Branch agent. Paperwork will need to be signed and completed to initiate the process. Transactions can only be disputed within 60 days of being posted to your account.

How can I close an account?

An account can be closed in person at a branch, over the phone with Member Services, by email at MemberServices@MetroCU.org, via secure message in iBanking, or with a Digital Branch agent. Please make sure all direct deposit/automatic payments and bill payments have been cancelled. For requests made via iBanking or email, a check will be mailed to the address on file.

I don’t need my Membership Savings Account. Can I close it?

The Membership Savings account is a required account for membership with Metro.

How do I reorder checks?

Checks can be reordered by logging into the full iBanking website and clicking on the “Self Service Center”.

How do I change my address?

Your address can be updated in iBanking by clicking on the “Self Service Center”, or you can update your address in person at a branch, by calling Member Services, or with a Digital Branch agent.

How do I change my name on my account?

You can change the name on your account after you have updated your primary identification. Bring the new ID to any branch location and sign the appropriate documents to submit the change. Alternatively, you can initiate the request through secure message in iBanking, via email at MemberServices@MetroCU.org for the documents to be sent to you, or with a Digital Branch agent.

How do I add an additional signer to my account?

You can add a signer to your consumer account in person at a branch. The new signer would need to be present, provide two forms of identification, and sign the appropriate documents. You could also initiate the request through secure message in iBanking, via email at MemberServices@MetroCU.org for the documents to be sent to you, or with a Digital Branch agent.

Where can I find my account number?

Your full account number is available within iBanking. If you are a new member that recently closed on a loan with an auto dealer, your account information will be emailed to you -if an email was provided on the loan app.

How do I add a beneficiary to my account?

You can add a beneficiary to an account by visiting any branch location and completing new signature cards. You will need to provide the name, SSN, address, date of birth, and phone number of the individual being added to the account. You may have one beneficiary per account number. If you are unable to visit a branch, you can submit a request via secure message in iBanking, send an email to MemberServices@MetroCU.org to start the process, or speak with a Digital Branch agent.

When will I get my Christmas/Vacation Club funds?

You will receive your Christmas Club funds October 1st and Vacation Club funds May 1st through automatic transfer to the bank account you choose for disbursement. If the 1st falls on a weekend, the transfer will occur the following business day.

Why am I seeing a $22 fee and credit on My Reward Checking?

Metro rebates the maintenance fee associated with your My Reward Checking account instead of waiving it. If your account meets the requirements the fee will be automatically waived by the system.

Metro Checking Questions

Who qualifies for a Metro Checking account?

Anyone can qualify for a Metro Checking account! Current Metro members who have an existing checking account can upgrade their current account to Metro Checking.

Are there really no fees?

We’ve heard from our members, and we listened— fees don’t give you that flexibility and freedom you need. So, we’re getting rid of the fees you don’t need:

How does overdraft work if there isn’t a fee?

Overdrafts happen— and we’re prepared to help you through it. This is why we’ve increased the overdraft limit from $750 to $1,000. An increased limit allows you to cover your bills and expenses while you wait for a paycheck or deposit to clear.

What if I already have a checking account at Metro?

No changes will be happening to your existing checking account. If you have a My Reward, Safeguard, or Free Checking, you will remain in that account. Metro will now no longer offer Free or My Reward Checking to new account members because Metro Checking has both features combined into one. Your checking account will only switch to Metro Checking if you initiate the upgrade.

What changes with my checking account if I switch from one to Metro Checking?

If you switch your account to Metro Checking, your account number stays the same, your direct deposits remain, and other bills or deposits connected to that account number won’t be affected. All previous Metro programs like Save Your Change and Early Pay will still apply if you’re currently meeting all program requirements.

If I have more than one Metro Checking, can I open more than one Membership Savings to earn the bonus rate on each?

You can only have one Membership Savings account with Metro. If you have multiple Metro Checking Accounts, as long as one of the Metro Checking Accounts meets the monthly 3 out of 5 eligibility requirements the bonus will be paid on the Membership Savings balance.

If I change my My Reward Checking to a Metro Checking mid-month, how are the ATM transactions counted and fees refunded?

Members with a My Reward Checking account will continue to receive reimbursement of ATM fees on a daily basis. Once you upgrade to Metro Checking, reimbursements will be paid at the end of the month assuming 3 of the 5 eligibility criteria is met.

Metro Rewards Questions.

How do I join the Metro Rewards Program?

All Metro Members with consumer accounts and Metro iBanking are eligible to enroll. Your accounts must be in good standing; business accounts are not eligible.

Enrollment is not automatic. Eligible members must initiate the enrollment and accept the Terms & Conditions in Metro iBanking.

How do I earn Metro Rewards Points?

After enrolling, members earn points for certain banking transactions and activities:

Rewardable activities and amounts eligible to be earned are subject to change at any time without advance notice.

When are my points rewarded?

Debit transaction points are awarded on the first business day after the transaction is posted to your account.

Points for direct deposit and bill pay are awarded on the first business day of every month for the previous month’s activity.

Express Pay points are rewarded weekly on Friday (at end-of-day) of the week in which the Express Pay enrollment occurred.

Can joint owners/accountholders earn points?

Joint owner activity (debit card transactions, direct deposit) will earn points that are attributed to the joint account; however, points are only visible to and redeemable by the primary account owner. If the joint account owner logs into iBanking they will only see points earned for accounts where they are the primary owner.

Open a new member account in your name to be eligible to earn your own points for certain banking transactions and activities. We’d love to have you as a member!

Can I give my Metro Rewards Points to someone else?

No, Rewards Points are not transferrable.

Where can I keep track of my Metro Rewards Points?

You’ll be able to view and keep track of your Rewards Points in Metro iBanking.

How can I use my Metro Rewards Points?

Get cash back deposited into your chosen eligible Metro account.

Get refunds of fees for insufficient funds or Courtesy Pay.

I opened a new Metro Checking account. When will my Metro Rewards Points be paid?

Points will be paid in October 2024. Members must have enrolled in Member Rewards by September 30, 2024 to receive the points. Accounts must be open, active, and in good standing at the end of the period to qualify for the promotional points.

How do I redeem my points?

Visit the Member Rewards Store in Metro iBanking to redeem your points! Choose the Cash Back or Fee Rebates icon and follow the prompts.

What is cash back?

You can redeem your Rewards Points for cash which will be deposited to your Metro account.

How do I redeem Metro Reward Points for cash back?

Can I receive cash back automatically?

No, you’ll need to redeem for cash back in the Member Rewards Store.

When will cash back post to my account?

Your cash back reward will be deposited to your account right after you submit the request.

How do I redeem points for fee rebates?

Log in to Metro iBanking and navigate to the Member Rewards Store. Select a fee from the dropdown menu and click Submit. You must have enough points earned to cover the entire amount of the fee. Otherwise, cash back is a great option for you.

Will my points Expire?

Yes, points will expire 2 years after they are earned, so be sure to use them!

What is the value of my Metro Rewards Points?

1 point = $0.01. Point values are subject to change at any time without advance notice.

Are Metro Rewards Points taxable?

Your participation in the Metro Rewards Program may result in the receipt of taxable income (for example cash redemptions) and we may be required to send you, and file with the IRS, an appropriate tax form. You are responsible for any tax liability related to your participation in the Metro Rewards Program.

I closed my Metro accounts but still have Rewards Points; how do I get them redeemed?

Your Rewards Points will need to be redeemed for cash back and deposited into your account before it is closed. Be sure to redeem all Rewards Points before closing your Metro account.

I need help with my Metro Rewards Points.

We’re here for you!

Send us a secure message within Metro iBanking.

Access Metro Connect and speak with Chelsea, our virtual assistant. She can connect you directly with a Metro Service Specialist if needed!

Call Chelsea at 877.MY.METRO (696.3876)

Use the chat button in the lower right corner of MetroCU.org.

Mortgage Questions.

How can remove PMI from my mortgage?

Please email our Loan Team at LoanServicing@MetroCU.org for assistance.

I have received an insurance check for property damage and Metro is a payee on the check. How can I have this check endorsed?

You can submit a copy of the check and the insurance adjuster report via email at LoanServicing@MetroCU.org or by mail to PO Box 9100 Chelsea MA 02150. Someone will reach out to arrange a time to have the check endorsed.

I received my quarterly tax bill from my town/city, but Metro is paying my taxes. Do I need to send in the bill?

You do not need to send the bill; it can be retained for your own records. Even if we are paying on your behalf, the town/city will still send you a copy of the bill. Please note that if the bill references delinquency/demand/past due, you should send an email with a copy of the bill to LoanServicing@MetroCU.org.

I have a shortage in my escrow, can I make a payment so that the monthly bill will not increase?

Yes, you can pay off the shortage/deficiency amount referenced in your analysis. If paying in a branch or mailing a check in, please indicate the payment is for the escrow shortage. Your escrow payment will be reduced by the shortage/deficiency monthly spread.

I have a Home Equity loan with Metro, why do I have to show you proof of insurance when I’m already paying my insurance where I have my first mortgage?

When you have a Home Equity Loan, or HELOC, with us we become the 2nd lien holder on your property. As such, we are required to ensure that the property is protected with homeowner’s insurance for the life of the loan/LOC.

How do I remove homeowner’s insurance from my escrow?

You can submit a signed written request at your branch or submit a written request by email to LoanServicing@MetroCU.org. If your policy renewal is up, we will need proof that a new term was purchased.

How do I escrow for homeowner’s insurance?

You can submit a signed written request at your branch or submit a written request by email to LoanServicing@MetroCU.org. You must also provide proof that you have purchased homeowner’s insurance for the current term so that we can begin collecting for the next term. An escrow deposit may be required.

How often do I need to submit my homeowner’s insurance policy?

We will always need to have the most up-to-date policy on file, this typically means you will need to submit your homeowner’s insurance policy annually at time of renewal or anytime there is a change made to your policy.

Where do I have to submit my homeowner’s insurance renewal?

Please submit the renewal directly to our Insurance Department:

METRO CREDIT UNION Its Successors and/or Assigns

Troy, MI 48007-7090

How can I remove escrow from my loan?

We would need to review the account to better assist, please reach out via LoanServicing@MetroCU.org for assistance.

How do I get a payoff for my mortgage?

If you need a mortgage payoff for a future date you can request this via email at LoanServicing@MetroCU.org or secure message in iBanking. Verbal requests over the phone are only available for a same day payoff.

Why did my mortgage payment increase?

When will I receive my Escrow Analysis?

Escrow analysis is generated annually in May. Any escrow payment change will be in effect for your July bill. The document will be mailed to you and also available in eDocuments in iBanking if you are set up for electronic statements.

How do I get a discharge?

Metro can produce a discharge for you. If a discharge was never recorded, a request for an original can be submitted by email LoanServicing@MetroCU.org. Please note there is a fee for a confirmatory discharge.

I paid off my loan, when will I receive my mortgage discharge?

A mortgage discharge can take 45 days from the date the loan is paid off. The fee to record the discharge is collected when the loan is paid off, and the discharge will be recorded directly with the registry. You can view or obtain a copy of the recorded discharge online at the registry of deeds of your property address: https://www.masslandrecords.com or https://www.nhdeeds.org

Consumer Loan Questions.

Where can I find my loan account number?

There are a few ways to obtain your loan account number: you can find it on your billing statement, in Metro iBanking by clicking on the loan, request it by emailing MemberServices@MetroCU.org, or by speaking with a Digital Branch agent.

How can I apply for a loan?

You can apply for a loan on our website, over the phone, in person at a branch, or with a Digital Branch agent.

I haven’t received my bill, what should I do?

Bills are generated 15 days before the due date for an Installment loan and on the 25th of each month for a Line of Credit, then mailed out or made available online if you are signed up for eCommunications. The first bill can take a little longer to generate, but please remember you have a 15-day grace period to make the payment before a late charge is assessed.

I paid off my loan, when will I receive my title?

MA auto loan titles are mailed from the Registry of Motor Vehicles and can take 3-4 weeks to be received. If you’re out-of-state, Metro will release your title within 5 business days. You would then need to follow up with the RMV/DMV from your state for next steps.

I am moving, how do I get my title to register my car?

My car is totaled, what should I do?

We’re so sorry to hear that. Please notify your insurance company, they will reach out to us for next steps. If you are leasing your vehicle, please call CULA at 800.878.5400 for assistance.

Where can I get a Letter of Guarantee (LoG)?

• Please have your insurance fax in a settlement to 617.488.5440 or email it to LoanServicing@MetroCU.org.

Can I pay off my loan online?

You can submit a payoff online via iBanking or Metro Pay, please be sure obtain the full payoff amount prior to submitting your payment by reaching out at LoanServicing@MetroCU.org

Can I change my due date?