Author: Salvatore Fragale

CO-OP Shared Branching

co-op shared branch: Members can make deposits and withdrawals at nearly 5,500 co-op shared branch locations nationwide! Man traveling with suitcase holding cell phone.

 

A Nationwide Extension of your Credit Union – Branches of your credit union wherever you live, work, or vacation!
CO-OP Shared Branches

CO-OP Shared Branches are credit unions that accept member transactions on behalf of other credit unions. To use a Shared Branch, all you need is your METRO Federal Credit Union Member Number and a Valid form of government-issued photo ID (ID requirements are subject to change based on account or customer information.  Please contact the local branch for ID requirements).

At CO-OP Shared Branch locations, you can perform these METRO transactions:

  • Deposits
  • Withdrawals
  • Transfers Between Your Accounts
  • Balance Inquiries
  • Loan Payments
  • Cashiers Checks

How do other institutions compare? You’ll be surprised at the results:

Financial InstitutionBranchesATMs
METRO FCU5,000+ with shared branching30,000+ surcharge-free
Chase Bank5,20018,000
Bank of America4,80016,000
Wells Fargo6,00013,000
PNC Bank2,6708,800

Only need to deposit a check? With METRO’s Remote Deposit you can take a photo of your check with your smartphone and deposit it using the METRO Mobile app. Remote Deposit Details

Shared Branching Services Available at METRO for Guest Members:

ServiceCost
Deposits, Transfers, Loan Payments, Balance InquiriesFREE
Cash Withdrawal$2,500.00 Max Per Day / $1,000.00 for out of state ID holders
Cashier’s Check$10.00 fee per check / $2,500.00 check limit for out of state ID holders
Travel Money Card$7.50 fee per card
Gift Card$4.50 fee per card
Notary Services$5.00 per document/signature (excludes real estate documents)

Just because you’re not near METRO doesn’t mean you can’t manage your accounts in person – 
Simply locate your nearest “branch.”

For CO-OP Shared Branch locations, visit the CO-OP Shared Branch locator or more shared branching locations.

Download the CO-OP Shared Branch APP from:

Download the iOS Shared Branch App Download the Android Shared Branch App

 

Want to know how Shared Branching Works? (video)

 

 

Sign-up Today for Mobile Check Deposit

we know you're busy. why not save a trip to the branch? go mobile! mobile phone with mobile check deposit displayed on screen.

Close-up of smiling businesswoman using smartphone.

MOBILE CHECK DEPOSIT

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 Mobile Check 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.

Availability:

For deposits made before 3:30PM (on Monday thru Friday), your deposit will post to your account by 6:00PM the same day. Deposits made after 3:30PM will post to your account the following business day after 6:00PM.

Please contact a Member Service Representative at 847.670.0456 if you need additional assistance.

Download METRO’s Mobile App!

Metro's branded mobile app. Download today.

 

METRO’s Branded Mobile App is Here.

 

Mobile banking just got better at METRO!

Convenient access on-the-go using your cell phone! If you are a current Online Banking user, there are simple steps you can follow to take advantage of METRO’s Mobile Banking options, specifically our Branded Mobile App.

View your balances and history, transfer between your accounts, pay bills, deposit checks, send money via ZELLE, and much more!

Download the app from one of the app stores:

Download Touch Banking on the App Store Download Touch Banking on Google Play

 

Mobile App Access

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


Download and sign in…. it’s that easy!

  1. Download and use the METRO App – found on either the iPhone App Store or Google Play store above.
  2. Open the app and enter your login using your Virtual Branch Online Banking Logon ID and Security Code.

    NOTE: You must be enrolled in online banking FIRST to use the mobile app.  If you are not enrolled, CLICK HERE to get started!

 

If you haven’t logged in to our previous TouchBanking App recently, you’ll be prompted to upgrade to the “new version” when you relaunch your TouchBanking mobile app.

 

* Click on the “Update Now” button to be directed to your App Store.

* Download the METRO Branded App and sign in using your existing Logon ID and Security Code.  (You will NOT need a mobile app code.)

* Once signed in to the updated app, you can delete the TouchBanking application.

 

 

 

What’s You’ll See:

Modern Look & Login ScreenSimple NavigationOverall Improved Look & Feel

 

Online Bill Pay Users:

If you are a Bill Pay User, you will have access to view and pay your bills and enroll in Zelle person-to-person payments within the app.

 

 

Add Mobile Check Deposit!

With METRO’s Mobile App, you 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 sign the Remote Deposit Application, and submit it to a friendly METRO Service Representative.

More Information

 

 

More Mobile Banking Options at METRO:

Mobile Browser

Provides access to our Online Banking site through a mobile web browser that is designed to fit the format of your cell phone screen. This option may be favored by customers who have a Smart Phone but do not utilize Apps. Users can bookmark the website for convenient access. To activate this feature, login to your Virtual Branch Online Banking, click on the Options tab, scroll down to the Mobile Banking Profile, click Manage Device(s) and follow the instructions to activate the Mobile Browser.

Text Banking

Receive real-time balances by texting ‘BAL’ and transaction history by texting ‘HIST’ to the designated number – 71806. 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 follow the instructions to activate Text Banking.

 

 

Have additional questions? 

Contact a Member Services Representative at 847-670-0456, ext 1, or contact us online.

 

 

Stay Informed. Stay Secured.

Read Complete Stay informed article

FALCON FRAUD PROTECTION

FraudMETRO Federal Credit Union is always working behind the scenes to ensure that your financial information is protected. With our Falcon Fraud Protection System, your debit and/or credit card transactions are analyzed as they occur. If suspicious activity or “out of habit” purchases take place, you will receive a phone call to confirm if the transaction is fraud or a legitimate purchase.

You may contact Falcon directly at 866-334-1048, but remember, we will never ask for your account number or PIN. If you receive a message with a different phone number, it is not a legitimate message and you should call the credit union immediately. If Falcon doesn’t hear back from you within 48 hours of calling, your card will be blocked from all use as a precautionary measure.

The Falcon Fraud Protection System is just one more way METRO Federal Credit Union helps you fight against fraud and save you the hassle of identity theft!

 

WHAT IS A COMPROMISED CARD?

Receiving a letter that your debit or credit card has been “compromised” can be unnerving, to say the least. Unfortunately, this type of fraud is on the rise.

Still, a compromised card letter does not mean any fraudulent activity occurred on your account. By notifying you, METRO Federal Credit Union is taking every precaution to ensure your account data is handled with the highest level of safety and security.

By definition
A compromised card means that information (e.g.,card number, name) may have been obtained by an unauthorized source. METRO Federal Credit Union’s system was not compromised. In most cases, the breach occurs at a location that accepts or processes card transactions (e.g. merchant terminals, transaction processors, or phishing).

Some considerations
If METRO Federal Credit Union receives a report that your card information is compromised, we will take every step to ensure the security of your card. In some cases, we will reissue your card with a different number.

Here are some additional considerations:

• METRO is not given any details on when or where the compromise occurred.
• Not all cards on an account may be impacted, as each member has a unique card number
• In order to ensure you are not inconvenienced, the old card remains active for two weeks
• Once activated, you can use your card immediately for signature (press Credit) transactions
• Your PIN will arrive within 10 days; or, you may visit a branch to select your own PIN
• If you have automatic debits set up for that particular card number, you will need to contact the payees and provide the new card number and expiration date
• If METRO ever suspects fraudulent activity on your account, our Fraud Prevention Services department will contact you to analyze any unusual activity.

METRO strives to offer you safe and secure financial service solutions. In particular, we monitor account activity, identify trends, work to reduce or restrict activity and reissue cards, when needed.

As a reminder, if you ever suspect fraudulent activity on your account, please call us at (847) 670-0456.