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F.A.Q.

Frequently Asked Questions

UAF & UCF Fees

Q: What causes an Uncollected Funds (UNC) Fee?

A: If an ACH or check you previously scheduled or wrote is presented for payment the same night you make a check deposit, an Uncollected Funds situation may result. An Uncollected Funds scenario means we have not yet had the necessary time to collect the money on the deposited check(s) from the Federal Reserve. In these cases, we generally pay the incoming ACH or check item(s) as a courtesy, assuming the deposited check(s) will clear the Federal Reserve.

When Metro Banks provides the convenience of paying items that are presented against your uncollected funds, you will be assessed a $37 per item fee. This charge appears on an account statement as "Paid UCF Debit".

Q: What causes an Unavailable Funds (UNA) Fee?

A: An unavailable funds fee is assessed when an ACH or check is presented for payment and paid, but you do not have sufficient funds available to pay the item. This situation is much like an overdraft, except that the lack of available funds was specifically caused by debit card hold(s) or extended deposit hold(s).

When an item is paid using unavailable funds, a $37 per item fee is assessed. This charge appears on an account statement as "Paid UAF Debit".

Q: How can I prevent a "UNC" or "UNA" fee?

A: To avoid overdrawing your account, it is important to maintain your own up to date record of all transactions you initiate on your account, including transactions that have not yet posted to your account. Never issue any form of payment without having an actual compensating balance at the exact time you initiate the debit to your account. It is also important to understand when deposits become available.

Tips to help prevent overdrawing your account:

  • Maintain an up to date and accurate account record
  • Pay close attention to your electronic transactions. Keep record of your ATM withdrawals, debit card purchases and online payments
  • Utilize a savings or checking account for overdraft protection
  • Apply for a Cash Reserve Line of Credit to use for added overdraft protection
  • Monitor your account activity regularly via the Online Banking service.
  • Set up Online Banking Alerts to notify you when your balance falls below a specified amount.

Q: When is my deposit available?

A: Under normal circumstances, Cash Deposits made at a Store on the current banking day (before 6PM) are available immediately. Cash deposits made at a Store after 6 PM, will be available for debit transactions immediately, but are NOT available for incoming ACH or check payment until the next business day.

Metro Bank offers next day funds availability on deposited checks. Checks deposited before 6 PM on a business day will be available the next business day to pay checks. Check deposits made after 6 PM or on a Saturday, Sunday, or Federal holiday are considered to be made on the next business day, so they become available to pay incoming checks on the following business day. We encourage you to make deposits before scheduling ACH debits or writing checks on those funds.

Q: Is my Available Balance the true up to the minute balance?

A: No. Your available balance contains only posted and pending same day activity on your account. Available balances do not include outstanding checks not yet presented for payment, gas purchase authorizations that are received for payment at full value, outstanding pre-authorized electronic payments and/or Metro Online Bill Payments that have not yet posted to your account.

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Overdraft Fees

Q: What causes an overdraft fee?

A: Overdraft fees are incurred when an item is presented for payment but you do not have a sufficient balance to cover the debit and the account drops to a negative balance.

Some common causes of overdrafts are:

  • Not keeping an accurate account record
  • Post dated checks presented early for payment
  • Deposited checks returned unpaid from the issuing bank
  • Fees resulting from an overdraft fee assessed the previous business day
  • Bank processing or encoding errors

In the event you feel an overdraft fee is assessed due to bank error, contact a Metro Bank customer service representative.

Q: How can I prevent overdraft fees?

A: To avoid overdrawing your account, it is important to maintain your own up to date record of all transactions you initiate on your account. Never issue any form of payment without having an actual compensating balance at the exact time you initiate the debit to your account.

Tips to help prevent overdrawing your account:

  • Use another savings or checking account for overdraft protection
  • Apply for a Cash Reserve or Home Equity Line of Credit to use for overdraft protection
  • Maintain your own up to date account register
  • Pay close attention to your electronic transactions. Keep record of your ATM withdrawals, debit card purchases and online payments
  • Keep track of pre-authorized automatic debits or loan payments

Q: Is my Available Balance the true up to the minute balance?

A: No. Your available balance contains only posted and pending same day activity on your account. Available balances do not include outstanding checks not yet presented for payment, gas purchases authorized for $1 that are received for payment at full value, outstanding pre-authorized electronic payments and/or Metro Online Bill Payments that have not yet posted to your account.

Q: Can post dated checks be presented before the date on the check?

A: Yes. Post dating a check in no way guarantees the check will not be paid prior to the date written on the check. With modern automated processing and lock box payment remittance, it is not always possible for someone to verify whether a check is post dated prior to posting the item.

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General FAQs

How can I open a new account?

You may open a new account by visiting any Metro Bank store. Or you may click here to open an account online. Your new account paperwork can either be completed in store or by mail - the choice is yours!

What do I need to open an account?

At least one of the following forms of identification are required for each account owner:

Primary Forms of Identification

  • US Drivers License
  • Military ID
  • US Passport
  • Foreign Passport (Reqires W-8BEN Form)
  • State ID Card with Photo (Requires secondary form of ID)
  • School ID Card with Photo (Only for minors under the age of 16 or do not yet have drivers license)

Secondary Forms of Identification:

  • Vehicle Registration or Proof of Insurance
  • Employer ID with Photo
  • Major or Local Credit or ATM Card
  • Alien Registration Card (green card)
  • Student Visa (Visa type: F, J, M or Q)
  • Temporary Visa with expiration date
  • Veteren's Card
  • Utility Bill
  • Tax Return

What is Metro Bank's routing number?

Metro Bank's routing number is 031301846.

How can I apply for a loan?

Want to apply for a home equity loan or line of credit, auto loan or other personal loan online? Click the "Personal" tab at the top of the mymetrobank.com homepage to find the loan that best fits your needs or visit a Metro Bank store near you. Interested in applying for a business loan? Call 1.888.937.0004 for more information.

Is there a cost to use the Magic Money Machine?

Coin counting at the Magic Money Machine is FREE, fast and convenient for all Metro Bank Customers.

If you are not a Metro Customer, open an account today to waive the usage fee. If you choose not to open an account, you may still use the Magic Money Machine for a low 5% usage fee.

Are you open on holidays?

Metro Bank's doors are open 361 days a year for your convenience. We are closed New Year's Day, Easter Sunday, Thanksgiving and Christmas. Click here to view our modified hours of operation during other holidays.

Where can I find information about Metro Bank stock?

Shares of Metro Bancorp, Inc.'s common stock are traded on the NASDAQ Global Select Market under the symbol METR. Contact Investor Relations at 717.412.6301 for more information.

What happens if I have a dispute?

Call us at 1.888.937.0004 or click here to e-mail Customer Service.

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Visa FAQs

How long will it take to get my Visa debit card?

Visit any store to have a card handed to you in minutes.

Do I need to visit a Metro Bank store to get a new Visa debit card?

You may request a card online by clicking here, or call Customer Service at 1.888.937.0004.

What can I do if I forgot my Visa debit card PIN?

Visit a Metro Bank store or call Customer Service at 1.888.937.0004 to have a new card issued.

Is there a charge to use my Visa debit card to pay merchants? What if I use it as credit instead?

Metro Bank does not assess fees to use your Visa debit card anywhere Visa is accepted.

What is the password for the Visa gift card to register it?

Your password will be the last six digits of your gift card.

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Online Banking FAQs

Where do I go to enroll in Online Banking?

Click here to enroll today!

I dont remember my online banking password, what do I do?

You may either click the "Forgot Your Password?" link and reset your password or call 1.888.937.0004 to speak to a Customer Service Representative.

What is the difference between current and available balance?

Your current balance is the previous business day's ending balance. Your available balance is the ending balance minus any current day activity (debit card transactions, online transfers, etc.).

How do I enroll in eStatements or go back to paper statements?

Log in to online banking and click on eStatements at the top of the page. Click "View eStatements" and you will be given instructions to enroll. If you wish to receive paper statements by mail, please send a message through the self service option or call 1.800.204.0541.

Does Metro Bank support Quicken and QuickBooks?

Yes, Metro Online Banking is fully compatible (via Direct Connect) with the latest versions of Quicken and QuickBooks for both PC and Mac.

How can I avoid identity theft and online fraud?

Learn how to protect your personal information by clicking here.

How do I know that my account information is secure?

Forms and pages with customer and other sensitive information are protected by data-encryption technology. Encryption is a procedure for turning plain text or other information into an unrecognizable pattern of data requiring a unique key to open or "decode" the formula. The unbroken key or closed lock on your screen indicates that the connection is secure.

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Bank-by-Phone FAQs

What is Bank-by-Phone?

Bank-by-Phone provides information on Checking, Savings, Certificate of Deposit, IRA and Loan accounts. An Access Number and PIN must be entered when calling Bank-by-Phone to access account information.

How do I enroll in Bank-by-Phone?

Call 1-800-937-2003 to enroll in Bank-by-Phone.

What is the User ID/Password for Bank-by-Phone?

If you are a personal account holder, you will have a default 10-digit access number consisting of your 6-digit date of birth followed by the last 4 digits of your social security number. The initial Personal Identification Number (PIN) will be the last 4 digits of your social security number (SSN). If you are a business account holder, you must choose an access number. Your primary account number is recommended to use as your access number. The PIN will be your business's tax identification number (TIN). During the first login, you will be prompted to create a new 4-digit PIN. This new PIN cannot be the last 4 digits of your SSN or TIN. Both personal and business customers may have existing access numbers changed.

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Metro Bank is a wholly owned subsidiary of Metro Bancorp, Inc. and is not affiliated with Metro Bank plc, Great Britain