Metro Credit Union $200 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: 1 qualifying direct deposit
- Availability: MA, NH
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Low
- Credit pull: soft pull only
- Monthly fee: $0 — No minimum balance requirement or monthly fee on the Metro Checking account.
- No early-closure rule listed
- Bonus posts: ~120 days
- Holding period: 90 days
What Counts as Direct Deposit
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
Open a Metro Checking account, enroll in eStatements within 60 days of opening, and set up a recurring direct deposit landing at least once a month (the offer page states no minimum dollar amount for it). Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
Metro Credit Union is currently offering a $200 checking bonus. The core requirement is 1 qualifying direct deposit. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Make 1 qualifying direct deposit. Allow approximately 120 days for the bonus to post after qualification.
How This Compares to Other Bonuses
Metro Credit Union's $200 offer is closest in headline value to CIBC US's $200 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Metro Credit Union checking bonus?
Metro Credit Union currently advertises $200. The principal requirement is 1 qualifying direct deposit.
Does the Metro Credit Union bonus require direct deposit?
Yes. The catalog currently records 1 qualifying direct deposit. Confirm the bank's exact definition before applying.
When should the Metro Credit Union bonus post?
The tracked estimate is about 120 days after you satisfy the requirements.
Full Requirements
Open a Metro Checking account, enroll in eStatements within 60 days of opening, and set up a recurring direct deposit landing at least once a month (the offer page states no minimum dollar amount for it). Keep the account open and in good standing for at least 90 days; Metro deposits the $200 within 30 calendar days after that, and the account must still be open when it pays.
Fees
No minimum balance requirement or monthly fee on the Metro Checking account.
ChexSystems & Credit Pull
Carried from the institution's account-opening screening as verified for the sibling metro-cu-500-checking-2026 record 2026-07-30 (same account-opening process); not independently re-checked for this promo specifically.
Eligibility
Metro Credit Union membership requires living, working, going to school, or having a place of business in Essex, Middlesex, Norfolk, Suffolk, Worcester, Plymouth, Barnstable, Bristol, Franklin, Hampshire, or Hampden County, Massachusetts, or Hillsborough, Rockingham, Cheshire, Merrimack, or Strafford County, New Hampshire (per lib/data/cuMembership.ts, sourced from metrocu.org/personal/how-do-i-become-a-member); family members of an existing member and employees of a Metro@work employer also qualify. The $200 checking offer's own page states only "when you open a Metro Checking account", does not say whether an existing member with another Metro Credit Union account can qualify, and states no minimum opening deposit.
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Sources (3)
We last checked this against the bank's page on September 8, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.