Whether you're managing day-to-day expenses, building a relationship with your bank, or starting out for the first time — Metro X Financials has a checking account that fits your life, not the other way around.
Our full-featured flagship account for established customers who want maximum convenience and interest earnings on their everyday balance.
No monthly fees, no minimum balance requirements — a straightforward account that keeps more money in your pocket every single month.
Designed for students aged 16–24, this account gives you the financial independence to manage your money and build smart banking habits early.
Every Metro X Financials checking account comes loaded with the tools and conveniences modern banking demands — at no extra cost to you.
Snap a photo of your check and deposit it in seconds — no trip to the branch required. Available any time, any day of the week.
Set custom text or email alerts for low balances, large transactions, or debit card activity — you're always in the know.
Your Visa® Debit Card is backed by Visa's Zero Liability Policy — you won't be held responsible for unauthorized purchases on your account.
Schedule one-time or recurring payments to virtually anyone — utilities, rent, subscriptions — all from a single secure dashboard.
All accounts are FDIC insured and include our full digital banking suite. Compare the details below to choose the account that is right for your situation.
| Feature | Premier | Free Checking | Student |
|---|---|---|---|
| Monthly Fee | $8 (waivable) | $0 | $0 |
| Minimum Opening Deposit | $100 | $25 | $25 |
| Minimum Balance to Waive | $500 | None | None |
| Interest Earned | Yes | No | No |
| Free Debit Card | Yes | Yes | Yes |
| Surcharge-Free ATMs | 55,000+ | 55,000+ | 55,000+ |
| Online & Mobile Banking | Yes | Yes | Yes |
| Mobile Check Deposit | Yes | Yes | Yes |
| Free Online Bill Pay | Yes | Yes | Yes |
| Zelle® Transfers | Yes | Yes | Yes |
| E-Statements | Yes | Yes | Yes |
| ATM Fee Reimbursements | Up to $15/month | No | No |
| Overdraft Protection | Optional | Optional | Optional |
| Eligibility | All customers | All customers | Ages 16–24 |
Rates, fees, and features are subject to change. See a branch associate for complete details and current rate disclosures.
With Metro X Financials, you're never far from free cash. Our debit card gives you surcharge-free access to more than 55,000 ATMs nationwide through the Allpoint® and MoneyPass® networks — found inside CVS Pharmacy, Walgreens, Target, Costco, and thousands of other locations you already visit every week.
Premier Checking account holders also receive up to $15 per month in ATM fee reimbursements when using out-of-network machines — giving you true freedom to withdraw cash anywhere, any time.
Join thousands of Metro X Financials customers who enjoy fee-free banking, a massive ATM network, and personal service that the big banks simply cannot match.