Important Frequently Asked Questions


  • What is an Overdraft?

  • What are Metro’s Courtesy Pay limits?

  • What is your fee for Courtesy Pay?

  • What is your Returned Item / Non-Sufficient Funds (NSF) Fee?

  • How are the Courtesy Pay Fees assessed?

  • Do you have a definition of available balance?

  • Can you show an example of a Courtesy Pay Fee assessed for an insufficient Available Balance?

  • What is the difference between my actual balance and my available balance?

  • What types of transactions are not reflected in the available balance?

  • What is a debit card authorized hold?

  • Can I incur overdraft fees as a result of a debit card authorization hold?

  • Does Metro pay all overdrafts?

Metro Credit Union- Your Local Advantage