Mobile App

Convenient access on-the-go using your mobile phone! If you are a current Online Banking member, there are some simple steps you can do to take advantage of METRO’s three Mobile Banking options; Downloadable Mobile App, Mobile Browser or Text Banking. View your balances and history, transfer between your accounts, pay bills, deposit checks and much more.

Mobile App Access

metro federal credit union mobile app

Stay connected on the go with METRO’s Mobile Application. It’s free for any member with a checking or money market account.

Download and use the METRO App found on either the App Store or Google Play.

Open the app and complete your login using your Virtual Branch Online Banking Login ID and Security Code.

METRO’S Mobile Application is FREE for any member with a Checking or Money Market account.

How to Sign Up

1. Log in to Virtual Branch Online Banking

2. Click on Mobile from the top righthand menu.

3. Click OK and check the box agreeing to the Terms and conditions

4. Click Continue (it will only appear if the Term and Conditions box is checked)

5. Scroll down and enter your cell phone number in the box and click send. (A text message containing the download link for the App should be sent to your phone within a few minutes)

6. Open the link provided by the text message (The link should take you to the Touch Banking mobile app) and download the App

7. Open the App after it has completed downloading and enter your Virtual Branch Logon ID in the Username box and click continue

9. Enter your Virtual Branch Security Code in the Password box and click Log In

Your log in and registration is now complete!

*If you would like to be able to make mobile check deposits through the Mobile App, please fill out the Remote Check Deposit Application.

Card Management

Do even more from METRO’s Mobile App with Card Management

Ready for an easier way to manage your cards? Our upgraded card experience puts more control, convenience and safety in your hands. From instant card activations to clearer merchant transaction info to robust fraud protections, now you can do even more from one convenient place.

With your new and improved card experience, you can:

Feel more empowered.

Control your cards on your terms.

Turn your cards on/off at your discretion.
Know where every card is stored online.
Set spending limits based on location, amount, merchant type and transaction type.
Create travel plan notifications for your financial institution.

Discover more convenience.

Enhanced features enable a smoother user experience.

Enjoy 24/7 access to your cards.
Easily add cards to digital wallets.
Access card credentials without needing your physical card.
Withdraw cash from ATMs without needing your card.
Activate cards instantly so there’s no more waiting on new or replacement cards.
Apply for and receive a digital card instantly.

Find more clarity.

Deeper insights into spending means deeper understanding.

Gain total transparency into every transaction with clear merchant names.
Keep track of spending with a glance.
View merchant name, logo, exact location on map and contact information.
Contact merchants directly based on transactions. View spend by what, when and where.

Feel more secure.

Use your card confidently with uncompromising fraud protection.

Report lost or stolen cards in a couple of clicks.
Immediately turn off a lost or stolen card.
Keep in constant communication with your financial institution with two-way fraud alert.

Try it today on mobile today!

Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.

Mobile Check Deposit

With METRO’s new App, you now have the convenience of depositing checks using your smartphone!

No ATM, no extra trip. Mobile check deposit is free and available for members with a checking or money market account.

It’s Easy! Just fill out the Remote Deposit Application, submit it to a friendly METRO Service Representative, and you’ll be up and running in no time!

Mobile Deposit Guidelines

Deposit Limits:

There is a $3,000 maximum limit per individual check and a $5,000 total daily deposit limit.

Endorsement:

Endorse each check and add “MOBILE DEPOSIT TO METRO” below your signature.

Effective July 1. 2018, any check deposited through remote deposit MUST include the above restrictive endorsement written on the back of the check above the authorized signature. Any item not bearing this endorsement will be rejected.

Availability:

Deposits made before 3:00 PM (Monday thru Friday) will post to your account after 6:00PM the same day. Deposits made after 3:00 PM will post to your account the following business day after 6:00PM.

Check Holds:

Effective October 1, 2020, mobile deposit holds will follow METRO’s normal funds availability as outline in our Funds Availability Policy.

For existing METRO Members:

The funds will be available on the SECOND business day after the day credited to your account.

For New Members (accounts open for less than 30 days):

The funds will be available on the FIFTH business day after the day credited to your account.

The first $225 of your total daily deposit will be available the same business day as the day of your credited deposit.

Please contact a Member Service Representative at 847-670-0456 if you need additional assistance on our Mobile Deposit Guidelines.

Online Bill Pay

Plan and pay all your bills– from rent to phone bills to utilities. Give yourself more convenience and control over your finances with Bill Pay, right from METRO’s Mobile App!

Add a new biller and schedule payments
Change or cancel payments as needed
Get bills delivered right to your bill pay account

Zelle® is included with Online Bill Pay.

When you register for Bill Pay, you can also sign up for Zelle. Zelle is a fast, safe and easy way to send and request money in minutes to friends, family and others your trust.

More Information

Text Banking

Receive real-time balances by texting ‘BAL’ and transaction history by texting ‘HIST’ to the designated number – 99588. A text response will be sent back to you with the requested information. No login information required! To activate this feature login to your Virtual Branch Online Banking, click on the Self Service tab, scroll down to the Mobile Banking Profile, click Manage Device(s) and following the instructions to activate Text Banking.