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Earning your trust. Building your future.

Easy Access to Your METRO Accounts

As a METRO member, you have access to your accounts in many convenient ways.

24/7 Phone Support:

A METRO phone representative is available to help you 24 hours a day, 7 days a week! Through our after-hours support, you can transfer funds between accounts, make loan payments, set up or reset your Online Banking password, and more.

Online Banking:

Access our free Online Banking services 24/7 by using the login located on the homepage.

Text Banking:

If you can text from your mobile phone, you can use text banking to access your account information. To get started: 

Complete registration set-up here: Text Banking
Begin texting keywords, such as BAL, to 40293

A full list of text commands is available at Text Banking.

CO-OP Network ATMs:

Using your ATM or VISA® Check Card, you have access to more than 28,000 surcharge-free ATMs nationwide through the CO-OP Network. Just look for the CO-OP symbol located on other credit union, 7-Eleven®*, COSTCO® and Walgreens ATMs.

To locate a CO-OP Network ATM while you're on the go, simply text your location to 692667 (MYCOOP) and within seconds, you will receive a reply.

CU Service Centers:

Take advantage of METRO's shared branching services through Financial Service Centers Cooperative, Inc. (FSCC) CU Service Centers, and you can access your accounts and perform a variety of transactions at more than 6,700 credit union branches around town and nationwide, which includes more than 2,200 deposit-taking Vcom Kiosks located in select 7-Eleven locations. At a CU Service Center, you can make deposits and withdrawals, as well as loan payments.** Look for the "CU Swirl" logo on the door of participating credit union branches!

To find a CO-OP Network ATM or CU Service Center location near you, visit the ATM & Branch Locator box on our homepage or for advanced lookups, click here.

*Please choose "ATM" at the welcome screen for surcharge-free access when conducting transactions at 7-Eleven® ATMs.
**CU Service Centers may limit cash withdrawals to $500 per day, regardless of your own SDMCU limit. Fees may apply to certain Service Center transactions. Please refer to the Member Fee Schedule available at each Service Center location.
(c) Sprig Text Banking is powered by FSCC's Shared Branch Network. There is no fee for the Text Banking service, however, standard textmessaging rates apply. Check with your mobile phone provider. One mobile number per membership.
For Your Information
  • We invite you to visit our other locations and continue to access your accounts through the following:

    Branch Locations
    Chula Vista
    Metro Centre
    Parkway Plaza
    Hours & Locations

    Phone Branch
    or toll free 888-907-3628

    Online Banking
    Homepage Login & Sign-on Page

    Text Banking
    Register Now

    24-hr Telephone Banking
    or toll free 800-829-1919

    800+ CO-OP Network ATMs throughout San Diego

    32+ Shared Branch (CU Service Center) Locations throughout San Diego
  • Search

    Shared Branch (CU Service Center) Call Center:
  • 866.MY.CU.NOW or
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