Simply Checking

Free Checking - It's That Simple

do you feel like your current checking account is costing you money?

You deserve to spend your money how you want, when you want, without worrying about pesky account fees. Access the flexibility and control of your finances with a Simply Checking account today.

No minimum balance requirement
Automatic overdraft protection
Free Visa debit card
Unlimited check writing

Open Your Account

learning & guidance

checking account resources designed for you

overdraft protection

With Courtesy Pay, your transactions are covered - even if you don’t have the available funds in your account. Think of it as an additional safety net!

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card controls

Stay in control of your Charlotte Metro debit card. Activate, freeze, block, report lost or stolen, and order a replacement card from your computer, smartphone, or tablet.

Learn More

budgeting guide

Want to get a good handle on your monthly budget? Follow these simple 8-steps to create a budget and find a few extra bucks to stash away!

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Let's Get Started

how to open your simply checking account

i'm a member

Want to open a new account?

As a Charlotte Metro member, you can open a new checking account by submitting this form and a representative will be in touch on or before the next business day to get you all set up!

Submit the Form

i'm new here

Here’s what you’ll need to get started:

Proof of Identity (current driver’s license or state-issued ID)
Social Security Number
A minimum opening balance of $5
The routing number and account number of a valid checking account, debit, or credit card

Open Your Account