Buffalo Metropolitan Federal Credit Union

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.


MasterCard Debit Card.

A MasterCard 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.


FREE Mobile Banking with Check Deposit & Bill Pay.

One app - multiple functions, review account balances and histories, transfer funds between accounts, deposit checks, and pay bills directly from your iPhone, droid, or blackberry device; 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.


Automatic Payment Change.

Complete the Automatic Payment Change form for each company or organization that automatically withdraws funds from your previous checking account.


Funds Transfer Authorization.

Complete the Funds Transfer Authorization form and mail it to your current financial institution to close your account(s). Please note to keep enough funds in the account until all outstanding payments and transactions have cleared.


Order Checks.

Checks may be ordered:
1) Online - Ordering checks online is safe and secure. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.
2) Through online banking - When logged in online banking, under Services, click Check Order.
3) By calling 877.585.8777 option 1.


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