Metco Credit Union offers two flexible checking account options—one designed for everyday use with no fees, and another that earns dividends for members who maintain higher balances. Whether you want simplicity or added rewards, we make managing your money easy and convenient.
Our Free Checking account is a great choice for everyday use—with no minimum balance and no monthly service charges.
Benefits include:
If you are already a Metco member, we likely will not need any additional documentation.
New to Metco? Here’s what you’ll need to join:
Metco’s Ultimate Checking account rewards members who keep a moderate to high balance and actively use their account.
Earn a BONUS RATE On Balances Up To $15,000 When You:
**The term “account” refers to Metco Credit Union’s Ultimate Checking account. *Annual Percentage Yield (APY) paid on balances between one penny and $15,000, each statement cycle in which the minimum requirements are met. If you do not meet all of the minimum requirements during any cycle, your account will not be paid a dividend for that cycle. A fee of $10.00 will be assessed to your account if your balance falls below $1,000 during any statement cycle. Interest rate and APY subject to change at any time after the account is opened. At least 15 signature-based Debit card transactions must be posted to the account within a one calendar month period to qualify for a dividend payment. ATM and PIN-generated transactions do not qualify account for dividend payment. Available to Personal Accounts only. No monthly service charge. Other restrictions may apply. Federally insured to at least $250,000 by the NCUA.
Metco makes it easy to open your ideal checking account—whether you’re ready to join today or want to explore your options.
To open a checking account, you’ll first need to join Metco Credit Union by opening a savings account with a $5 deposit. It only takes a few minutes to complete your membership application.
🔗 Start Your Membership Application »
Not sure which checking account is right for you? Our Financial Empowerment Program offers free, one-on-one support. We’ll walk you through your options and help you choose the best fit for your financial goals.
📅 Schedule a Free Session »
We’re happy to help. Whether you want to open an account, learn more about features, or check on eligibility, our team is here for you.
📞 Contact Us Call or Text: 319.398.5007
We have a variety of savings and investment accounts.
Our savings accounts include special & club savings accounts, youth accounts, accounts for members who are age 55+, business accounts and more.
To grow your money faster or for the long-term, we offer money market accounts, certificates of deposit (CDs), IRAs and ESAs.
More information on all of these accounts can be found under the “Savings & Checking” tab of our website.
If you are already a member of Metco, you can call or stop in to open a special or club savings account, or you can open one instantly inside of Online Banking.
If you are not yet a member of Metco, you can establish a membership by opening a savings account with a $5 deposit. Simply schedule a virtual or in-person appointment, or submit an online membership application and we’ll be in touch with you shortly!
If you are already a member of Metco, you can call or stop in to open a checking account, or schedule an in-person or virtual appointment with us.
If you are not yet a member of Metco, you need to first establish a membership by opening a savings account with a $5 deposit. Simply schedule a virtual or in-person appointment, or submit an online membership application and we’ll be in touch with you shortly! At that time, we can also talk with you about opening a checking account.
If you are already a Metco member, we likely will not need any additional documentation.
If you are not yet a Metco member, the following documents will be required to join:
You can have your paycheck or other transfers deposited directly into your Metco accounts. You’ll need to provide Metco’s routing number, 273973100, and the full account number, which can be found in Online or Mobile banking, or on the bottom of your checks.
Ultimate Checking is a rewards checking account that offers a bonus rate on balances up to $15,000 once certain requirements are met. Learn more.
Courtesy Pay is a way for us to provide a higher level of service to our members by helping protect your account and reputation when an inadvertent overdraft occurs. Courtesy Pay may cover your insufficient funds checks, up to a $500 limit, for one low fee per covered overdraft transaction; saving you additional charges from the merchant collection companies, in addition to Metco’s insufficient fund fee. Get more details here.
Yes, we do! You can learn all about our business accounts here.
You bet we do! Metco Credit Union believes it’s vital to teach kids and young adults how to save and manage their finances, long before they have the opportunity to incur debt or are faced with large financial decisions as adults. On our Youth Accounts page, you will find specific recommendations based on the age of the member, however we’re always happy to talk with parents/guardians and their children to determine what services fit you best!
At Metco Credit Union, the member number encompasses all individual accounts and serves as the account number for the membership savings. The account number for checking is a combination of the member number and additional numbers to create an individual checking account number.
