Spend

Spend smarter, not harder!

Dive into a world where your money management tools cater to every whim. Need a specific spending account? We got it. Mobile wallets to make shopping easy as pie? We got it. Overdraft protection that ensures you’re always cruising smoothly? Yep, we got that too! Prepare to be wowed by the simplicity and efficiency of spending, credit union style!

A river running through Breckenridge Colorado
Breckenridge, courtesy of Lisa D.

Did you know?


42%


% of Millennials that pay
monthly bank fees.


$5.31


The average monthly fee for a non-interest earning spending account.


$4.73


Average combined ATM fees for an
out-of-network withdrawal.
(Includes the bank fee and ATM owner fee)

Spending Accounts


Our spending accounts are designed to work hand-in-hand with your savings—making it easy to access your funds whenever you need them. Many of our accounts feature no minimum balance requirements and no complicated monthly fees. Enjoy convenient access, local service, and modern digital banking tools that fit your lifestyle.

A woman looking out at Pikes Peak from Palmer Park in Colorado Springs
View of Pikes Peak from Palmer Park Colorado Springs, courtesy of Anjelina V.
Graduation night at Red Rocks
Red Rocks Graduation night, courtesy of Karen P.

Debit Cards

Make every transaction effortless with our VISA® Debit/ATM Card. You’ll enjoy surcharge-free access to nearly 30,000 ATMs nationwide, plus the ability to shop securely wherever VISA is accepted. It’s the perfect way to manage your money on the go—whether you’re in Denver, across Colorado, or beyond.

Overdraft Protection

Life happens. With Metrum’s Overdraft Protection, you can avoid declined transactions and keep your finances running smoothly. 

Photo of Garden of the Gods
Garden of the Gods, courtesy of Lisa D.
The stands at Mile High Stadium
Mile High Stadium, courtesy of Lisa D.

Spending Account Forms

Need to make an update or request? Access all the forms and documents you need to maintain your spending account quickly and easily.

Helpful Tips and Resources


Local Banking, Local Service

We’re proud to serve members across the Denver Metro area. For over 35 years, we’ve been part of the Centennial and Commerce City communities—helping our neighbors spend, save, and grow financially strong. When you bank with Metrum, you’re choosing people who live and work right here in Colorado.

Keep your banking local. Bank with us.