Products and Services

Checking Account

Our FREE checking account, often referred to as a draft account at credit unions, offers you many benefits over traditional checking accounts!

Lower Fees.

A credit union checking account doesn't have the monthly usage fees (service, teller transaction or check clearing) of many bank checking accounts.

No Minimum Balance Requirement.

You are not required to keep a minimum balance in your checking account. In addition, regardless of the balance you keep in your account, our online services (online banking, bill pay and mobile banking) are always free.

Direct Deposit.

Discover the convenience of direct deposit, a free service that allows you to have your payroll, Social Security, pension, annuity, tax refunds, and other regular payments you receive deposited into your Credit Union accounts; further details.

Overdraft Protection.

This optional line-of-credit is an excellent way to protect yourself from overdrawing your checking account. Some financial institutions charge as much as $30.00 when they clear a check that would have otherwise bounced. Their “courtesy pay” fee applies regardless of how little you needed for that check to clear. With Buffalo Metropolitan’s overdraft protection, you simply pay on the monies that are needed to cover your transaction; further details.

VISA Debit Card.

A Visa Debit card works like a check, only better. When you make purchases, the amount is deducted directly from your checking account — but you also enjoy added convenience and security; further details.

FREE Online Banking.

Access your credit union account(s) anytime, anywhere. Financial convenience and security wrapped into one; further details.

Save the Change.

Grow your savings with by enrolling in Save the Change; further details.

FREE Online Bill Pay.

Skip the hassle of writing checks and buying stamps; further details.