Check around! South Metro offers checking accounts with more options and fewer fees. Our goal is to fairly distribute the costs of providing a service, not to create profits. We urge you to compare our Fee Schedule with those of any other financial institution.
Call us at 952-445-0888 or stop in and open your checking account today.
For members age 50 or better
- No Monthly Fee
- Unlimited check writing
- Two boxes of free checks per year
- Free debit card
- Unlimited use of ATM machines on the CO-OP Network
- $5.00 off annual safe deposit box rental
- See our Fee Schedule for more information.
We have two different checking accounts to help non-profit organizations of varying sizes. Stop in or call us for details at 952-445-0888.
Non-Profit Business Checking
This account is for non-profit, religious, educational, fraternal organizations, municipalities and school districts with lower balances and fewer cash management needs, typically for those non-profits that have less than 150 transactions per month.
Community/Public Funds Checking
This account is for non-profit, religious, educational, fraternal organizations, municipalities and school districts that have moderate to high activity and account balances. Many of these entities use our cash management services to conduct their account receivable and payable activities.
South Metro has several business checking accounts designed for your business based on your balances and activity level.
Depending on your needs, you can add additional online banking modules to support your accounts receivable and payable needs. You can download your checking account activity into accounting software to help save time and speed up your financial analysis.
I am very happy to become a new member of South Metro Credit Union and I will tell others about how wonderful all of you are there. - Yvonne
South Metro offers free Online Banking and Mobile Banking so members can have access to their accounts anytime. South Metro also offers automated Telephone Banking to check balances and make transfers, 24/7.
SMFCU Telephone Banking can be reached at 1-800-459-8139.
SMFCU Online Banking users may be eligible to enroll in eStatements. Once enrolled, you will receive a monthly email at the address we have on file notifying you that your statement is available. By using this free service you’ll get your statements faster and save paper and postage.
Log into Online Banking and sign up for eStatements today!
You can switch back to the paper version of your statements at any time. Contact a credit union representative by phone at 952-445-0888 or contact us via our online opt-out form and ask to change your statements back to paper.
South Metro can also help by automatically transferring funds from your savings to your checking to keep your checks from being returned. It is another no-fee service from your Credit Union. Keep your funds in your savings account and earn more dividends, and rest assured your checks will be honored.
Everyone is friendly and patient with my questions. I know more about my money now. - Karen
South Metro checkholders can use VISA Debit Cards at ATMs and any location that displays the VISA© logo. And with our network of over 30,000 surcharge-free ATMs, getting cash has never been easier.
Protect Your Debit Card with Real-Time Control!
Set the terms for When, Where, and How Your Debit Card is used – Anytime, Anywhere.
- Turn debit cards off, and back on again, in seconds
- Use GPS to control transactions within a specific area
- Limit debit card use to specific merchants or purchases
- Control spending by setting limits to match your budget
- Receive real-time, in-app purchase notifications, as well as spending limit alerts
How Can I Get CardNav℠?
Download the CardNav app to your mobile device from the Apple or Android App Store.
*CardNav is supported with iPhone 4s, iPhone 5, iPhone 5C, iPhone 5S, iPhone 6, iPhone Plus devices with v6/7/8 Operating System (IOS). iPhones 3, 3GS, and 4 are not supported. Android version 2.33.0 or higher.
By switching to South Metro Credit Union, we were able to save $43,000 per year by customizing their services to fit our needs. - Scott
ATM Access$$ - This ATM accepts deposits. Please note that ATM deposits made after 5pm will be posted on the following business day.
Prior Lake ATMs
South Metro FCU $$
2573 Credit Union Drive
Deposits taken at Vestibule ATM only, NOT at drive-up ATM
Dakotah! Ice Center
2100 Trail of Dreams
Dakotah! Sport & Fitness
2100 Trail of Dreams
Little Six Team Member Entrance
2330 Sioux Trail NW (Little Six Casino)
2571 Credit Union Drive
Mystic Lake Team Member Entrance $$
2400 Mystic Lake (Casino back entrance)
Shakopee Dakota Convenience Store #2
14160 Wilds Path NW
Shakopee Dakota Convenience Store #1
15035 Mystic Lake Drive (Co 83 across from Mystic Lake Casino)
Shakopee Mdewakanton Gov't Center
2330 Sioux Trail NW (Next to Little Six Casino - off of Co. 83)
South Metro FCU $$
5767 Egan Drive
(in mall, behind McHugh's)