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Carrying a Credit Card Balance?

Transfer It - For Free!

Open Your Card Payoff Calculator

so... how does it work?

the benefits of balance transfers

If you’re tired of multiple due dates, varying interest rates, or just the number of loans you're juggling, a credit card balance transfer might be the right fit for you. The best part? It's totally free! Yup - you read that right. We never charge a balance transfer fee (or annual fee... or cash advance fee). And - when you open a new Charlotte Metro Visa Platinum or Platinum Rewards credit card - you'll unlock 0% APR1 for the first 12-months, giving you more time to knock down your balance without accruing additional interest!

debt resources

making your plan

Ready to tackle your debt? Making plans to eliminate or consolidate debt is a big step towards financial freedom - and you can totally get there!

Download the Debt Paydown template to create a loan payment plan that's right for you. View your monthly payments in one quick glance, keep yourself on track, and watch your balances shrink.

Learn More

ok, so here's the fine print

Let's Get Started

how to open your new card

(don't forget about that super helpful, interest-saving 0% APR1 on purchases and balance transfers for the first 12-months with your new Charlotte Metro credit card!)

i'm a member

Great! Follow these simple steps to apply for your new credit card.

  • Log in to Online Banking
  • Navigate to the Credit Cards tab
  • Select Apply for a Credit Card in the dropdown menu to get started

Log In

i'm new here

Welcome! Here’s what you’ll need to get started:

  • Proof of Identity (current driver’s license or state-issued ID)
  • Social Security Number
  • A minimum opening balance of $5
  • The routing number and account number of a valid checking account, debit, or credit card

Apply Now