Online Banking Sign In:
Enter User Name
usernameleft

Enroll
Need Help?

Checking Checking
     
 
Charlotte Metro Federal Credit Union offers a variety of checking options to suit your needs and lifestyle.
 
 

Basic Checking

Our Basic Checking account is FREE! There's no minimum balance requirement with unlimited check writing plus free Online Banking for accessing your account information online.

Click here to see features
  • Unlimited Check Writing
  • No Monthly Fee
  • No Minimum Balance
  • Free ATM and Debit Card
  • Automatic Overdraft Protection from Share Account
  • Free Online Banking
  • Free Bill Pay

Premier Checking

Premier Checking offers you all the convenience of Basic Checking with the added benefit of competitive interest earnings on your account balances over $300.00. Plus, you get unlimited check writing and no monthly fee when you maintain a daily balance of $300.00.

Click here to see features
  • Unlimited Check Writing
  • No Monthly Fee with a Minimum Balance of $300.00
  • Free ATM and Debit Card
  • Automatic Overdraft Protection from Share Account
  • Free Online Banking

Senior Checking

Free to members age 50 and older, our Senior Checking pays competitive interest on balances over $300.00 with unlimited check writing, and two free official/teller checks per month.

Click here to see features
  • For Members 50 Years and Older
  • Unlimited Check Writing
  • No Monthly Fee
  • Interest Paid on Balances Over $300.00
  • Two Free Official/Teller Checks per month
  • Free ATM/Debit Card
  • Automatic Overdraft Protection from Share Account
  • Free CMCU Style check orders (First box only)
  • Free Online Banking
  • Free Bill Pay

Fresh Start Checking

Fresh Start Checking is a non-interest account for members looking to rebuild or reestablish their banking history. If you’ve been denied a checking account at another financial institution, Fresh Start Checking may be for you.

Click here to see features
  • Unlimited Check Writing
  • Low monthly fee
  • No Minimum Balance
  • Free ATM/Debit Card
  • Automatic Overdraft Protection from Share Account
  • Free Online Banking


 
     
     
 


Select your new Charlotte Metro checking account at left and click the link above to begin.

 
 
Overdraft changes for Debit Cards
 
 

Overdraft Changes for Debit Card Coverage Require Your Attention

At Charlotte Metro Federal Credit Union, we continually strive to provide our members with the highest level of banking products and services to ensure their financial success. That’s why we want to inform you of an important change that could impact your checking account(s).

As a result of a recent regulation imposed on all financial institutions, you must authorize us to pay everyday (one-time) debit card transactions that may overdraw your account.

Click here to sign up.

Your Money is Safe

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

NCUA