Products
Products and Services
Checking Account (Draft) & Online Bill Pay
Our 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.
Online Bill Pay
Save Time & Money.
Skip the hassle of writing checks and buying stamps! Enroll in our FREE Online Bill Pay and enjoy an easier way to pay bills.
Convenience & Simplicity.
- Organize recurring and one-time payments
- View histories to track payments
- Multiple Buffalo Metropolitan checking accounts linked to one bill pay account
- Calendar feature to assist you in identifying the earliest available payment date.
Security Is Our Top Priority.
When you pay bills online, you are cutting off thieves’ access to important documents such as your checking account number, which they need to commit identity theft.
Online Bill Pay utilizes state-of-the-art technology. You are protected by a secure SSL/128-bit encryption—a solid level of Internet security protection—so you can manage your bills with confidence.
Self-Enrollment.
You will use your current user ID and password to log into online banking. Once logged into online banking, access your bill pay account by clicking Services and selecting Bill Pay. New bill pay users will be asked to enter their name and email before accessing Bill Pay.
Call 716.847.6960 if you do not already have a user ID and password for FREE online banking.
Processing of Payments.
Payments through Online Bill Pay are processed in two ways, electronically and by check.
Most payments are delivered electronically. Payments sent electronically will be deducted on the process date that you specify when you schedule your payment. The system will tell you what approximate date your payment will get to the payee when selecting the process date.
Funds for payments processed by check will be withdrawn from your checking account immediately.
Payments processed by check through Online Bill Pay are guaranteed funds. A bill pay user no longer has to hold the money in their checking account until the check clears.
Online Bill Pay users that have been inactive for three months will be deactivated. You can activate your account by calling the Credit Union at 716.847.6960.
