well hello there

& Welcome! Let’s Open Your Account…

What You’ll Need Handy

your checklist

We need to make sure you are who you say you are. Safeguarding your personal information is our top priority. Here’s what you’ll need to open an account:

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

Get Started Why $5?

A Quick How-To

a high-level look at opening an account or applying for a loan

(Psst... To streamline the process… opening your new account and applying for a loan can be done at the same time!)

choose your path...

Are you new here or already a member?

take your pick

Select your account or loan type.

enter your info

Complete the easy-to-use application.

Get Help

Eligibility

“but i can’t join a credit union”

Are you sure? There’s 4 super-simple wats to qualify for a Charlotte Metro membership:

You have an immediate family member who already has a Charlotte Metro account
Where you live
Who you work for, or
If you’re eligible to join our partner association, the Carolinas Credit Union Foundation

And we figure out your eligibility for you! It’s all done behind the scenes with your account and / or loan application, so there’s no delay or waiting period. We'll send you a quick notification - by email or mailed letter - on how you qualified for membership within 2 business days of your completed application.

Why join Charlotte Metro? When you open an account with us, you become more than a member. You’re part owner! Credit unions are not-for-profit organizations that exist to serve their members, not maximize corporate profits, so your Primary Savings account makes you an owner of Charlotte Metro!

Learn About Membership

Word on the Street

“Everyone is just amazing... very friendly and took care of all the details. They did a great job and went above and beyond to really take care of my needs!”

Karen L.

“I was able to start a checking and savings account and the process was done in a very professional manner. Quick and easy!”

Tina W.

“A friend of mine recommended me to Charlotte Metro and so far, I have loved it! The customer service is very helpful.”

Caroline K.

“I absolutely love you all and I appreciate you from my heart.”

Eric D.

0k+

members

branch locations

$0B+

in assets

start here

& Welcome! Let’s Open Your Account…

your checklist

a high-level look at opening an account or applying for a loan

choose your path...

take your pick

enter your info

“but i can’t join a credit union”

“Everyone is just amazing... very friendly and took care of all the details. They did a great job and went above and beyond to really take care of my needs!”

“I was able to start a checking and savings account and the process was done in a very professional manner. Quick and easy!”

“A friend of mine recommended me to Charlotte Metro and so far, I have loved it! The customer service is very helpful.”

“I absolutely love you all and I appreciate you from my heart.”

ready to open or apply?

i’m new here

i’m a member

apply in online banking

opening a checking account?

applying for a home loan?