F.A.Q.
Frequently Asked Questions
- I don't remember my PIN, what do I do?
- How can I avoid identity theft and online fraud?
- How do I know that my account information is secure?
- What is the difference between current & available balance?
- What is Check 21?
- What is a substitute check?
- What happens to my original check?
- What happens if I have a dispute?
- How will Check 21 affect me?
- I have more questions about Check 21. Where can I find more answers?
- Are you open on Holidays?
- How can I open a new account?
- How can I apply for a loan?
- How long will it take to get my ATM/debit card?
- What can I do if I forgot my Visa Check Card PIN?
- What is your routing number?
- Where can I find information about Metro Bank stock?
I don't remember my PIN, what do I do?
Call 1-888-937-0004 and a Customer Service Representative will be happy to assist you.
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How can I avoid identity theft and online fraud?
Click here to read about how to avoid identity theft and online fraud.
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How do I know that my account information is secure?
Metro Online Banking requires state-of-the-art 128-bit data encryption.
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What is the difference between current & available balance?
Your current balance is the previous business days balance. Your available balance is the ending balance minus any current day activity (check card debits, online transfers, etc.).
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What is Check 21?
Check 21 - short for Check Clearing for the 21st Century Act is a new federal law that affects checking account customers nationwide. This law allows other banks that clear your check to replace it with an electronic image or substitute check in order to facilitate the exchange of funds. It also reduced the need to transport paper checks, which can be interrupted by natural or manmade disasters.
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What is a substitute check?
A substitute check, also known as an Image Replacement Document (IRD), is a reproduction of an original check made from a digitized image. It has the same legal standing as the original paper check and is a valid document for proof of payment purposes. If you currently receive cancelled checks, you will likely receive some substitute checks in lieu of the originals in your statement.
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What happens to my original check?
If another bank converts your check into a digital image, they will send the substitute check back to Metro Bank. Once the digital image has been created, the bank destroys the original check.
Metro Bank saves your substitute check for 40 days. We will continue to maintain copies of all your check records for up to 7 years, as required by law.
Metro Bank saves your substitute check for 40 days. We will continue to maintain copies of all your check records for up to 7 years, as required by law.
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What happens if I have a dispute?
Metro protects your right to claim disputed funds whether or not you have an original substitute check or a substitute check appearing on your CheckView statement.
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How will Check 21 affect me?
We expect Check 21 to speed up the process. The time delay between the day you write your check and the day your funds clear your account should be shortened.
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I have more questions about Check 21. Where can I find more answers?
If you have any questions, please call us at 1-888-937-0004.
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Are you open on Holidays?
With the exception of New Years Day, Easter, Thanksgiving and Christmas, Metro Bank is open every day of the year.
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How can I open a new account?
You can apply for a new account by visiting one of our stores and speaking with a customer service representative, by completing an online account application or by calling us at 888-937-0004. Call Center representatives are available to assist you 24 hours a day, 7 days a week.
Please note: Business accounts must be opened at a store.
Please note: Business accounts must be opened at a store.
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How can I apply for a loan?
You can apply for a loan by visiting one of our stores and speaking with a customer service representative, by completing an online loan application or by speaking with a Loan by Phone representative by calling 1-800-296-1015.
If you apply online, a loan by phone representative will contact you once the online application is reviewed.
If you apply online, a loan by phone representative will contact you once the online application is reviewed.
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How long will it take to get my ATM/debit card?
If you visit a store, we can issue your card instantly while you wait!
You can also apply for a new card through the add services link on our website. A new card can then be mailed to you within 7 to 10 days
You can also apply for a new card through the add services link on our website. A new card can then be mailed to you within 7 to 10 days
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What can I do if I forgot my Visa Check Card PIN?
If you do not remember your PIN you will need to have a new card issued. To have a card reissued, apply for a new card though www.mymetrobank.com or simply visit a store and have a card instantly issued to you while you wait! If you reorder through our website, your new card can be mailed to you in 7 to 10 days.
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What is your routing number?
Metro Bank's ABA routing number is 031301846.
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Where can I find information about Metro Bank stock?
Please visit the Investor Relations section of our site for more information on Metro Bank including information on Metro Bank stock.
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