Spending Accounts
We’re redefining the old school Checking Account to the more aptly named Spending Account. After all, when was the last time you wrote a check? Our spending accounts are designed to seamlessly connect you to your money, making it easier to manage your day-to-day spending.
Young Owner Spending Account
Tailored for young adults up to the age of 24, the Young Owner Spending rewards account holders with up to $5.00 cash back every month.
Advantages of Young Owner Spending Accounts
- A Great companion to the Young Owner Spending Account is the Overdraft Line-of-Credit.
- Receive up to $5.00 cash back every month based on debit card transactions*
- Receive ATM Service Charge Rebates*
- Lower NSF/Overdraft
- No monthly service charges
- No minimum balance requirements
- No annual fee Debit/ATM Card*
- Free online banking access
- Low-cost checks
- Free direct deposit
- Free payroll deduction and automatic transfer payments
Join today and open a Young Owner Spending Account!
Already a Member? Open your free Young Owner spending account online, by phone, or by visiting a Metrum branch.
* E-statements, Online banking, and at least 17 posted debit card transactions (POS or SIG-based) are required per month to receive an ATM Service Charge Rebate and receive 0.75% cash back on each transaction, up to $5.00 per month. ATM Service Charge is $1.00 each when ATM transactions exceed the 5 free per month—program eligible for MCCU members up to the age of 24. Check out the free Money-Wi$e checking for those ages 25 and over.
Money-Wi$e Spending
One of our most popular services is our free Money-Wi$e Spending Account.
Two great companions to a Metrum spending account are the Visa® Debit/ATM Card and Overdraft Line-of-Credit.
Advantages of a Free Money-Wi$e Spending Account
- No monthly service charges
- No minimum balance requirements
- No per-spend fees
- Free online banking access
- No monthly fee electronic bill pay
- Automatic transfer from savings to clear an NSF item
- Low-cost checks
- Free direct deposit
- Free payroll deduction and automatic transfer payments
Join today and open a Money-Wi$e Spending Account!
Already a Member? Open your free Money-Wi$e spending account online, by phone, or by visiting a Metrum branch.
Small Business
If you are a Sole Proprietor business owner, great news – you have access to a super affordable business checking account! Save money on monthly fees and large minimum balance requirements, keeping more money in your pocket to help your business succeed.
What You Can Expect with Small Business Checking Accounts
- No minimum balance
- $4.00 monthly charge
- Free automatic transfer from share account to clear checks
- Receive monthly interest with daily average balance of $2,500 or above
Already a Member? Contact Us to open a checking account!
Homeowner/Civic Associations
We love communities that put in the effort to make neighborhoods safe and welcoming. That’s why our checking account is perfect for community associations. Enjoy all the perks without the costs of a for-profit entity.
Features of Homeowner Association Checking Accounts
- No minimum balance
- No charge for high-volume deposits
- Free or discounted checks. Up to $57.00 per anniversary year when ordered through the credit unions check printer
- Receive monthly interest with daily average balance of $500 or above