Check around! South Metro Federal Credit Union offers checking accounts with more options, fewer fees, and easy ways to access your money. Plus, you’ll have access to CO-OP’s nationwide network of nearly 30,000 ATMs and 5,000+ shared branches.

We urge you to compare our Fee Schedule with those of any other financial institution. Then call us at 952-445-0888 or click here to open your checking account today!

South Metro FCU checking

Checking Account Options

For members age 50 or better

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.

Click here for more information about Business accounts, or simply stop in or call us at 952-445-0888.

Open a Checking Account Today!

If you already have an account at SMFCU, simply click the link below and choose the Existing Member Account option.

If this is your first account at South Metro Federal Credit Union, be sure to review our instructions on how to join before selecting the New Member Account option..

Click here to get started.

Your Deposits are Safe with Us!
Your deposits are insured up to $500,000. The first $250,000.00 is insured by the National Credit Union Administration (NCUA), an agency of the U.S. government. The remainder of the coverage is provided by Excess Share Insurance.
South Metro FCU’s routing number is 091981646.

Checking Perks

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.

Click Here to Enroll in Online Banking
Learn more about Mobile Banking.

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.

For more information, call us at 952-445-0888. To review our Funds Availability Policy Disclosure, click here.

SouthMet Testimonials

Everyone is friendly and patient with my questions. I know more about my money now. – Karen

Debit Cards

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.

Find a Surcharge-Free CO-OP ATM.

South Metro Mobile PayFree Mobile Pay*

You can also use your South Metro VISA© debit card for contactless mobile payments. It’s simple, secure, and fast.

Set Up Mobile Pay Now.

Secure Your Card with our CardSecure App

Download the South Metro CardSecure mobile app to freeze a missing card in real time. CardSecure protects you against card fraud and misuse — all right at your fingertips!

    • Control when and where your card is used

CardSecure app to manage credit cards

  • Authorize Travel Alerts for your cards to work in different geographic areas for specific periods of time when traveling
  • Receive real-time push notifications to alert you of card usage
  • Control card security by locking your card when not in use
  • View balances and transactions
  • Great for managing your dependents’ purchases to avoid misuse

If your card has been stolen or fraudulent transactions have been posted to your account, simply turn off your card and call the Credit Union.

Best of all, the CardSecure service is integrated with your mobile banking app, so there’s no separate login. Just sign into your mobile app and select “My Cards” under the Quick link on the bottom. (If CardSecure is not installed, it will send the member to App/Play Store to download.)

Download our CardSecure app!


* Members need to have the South Metro Mobile Banking app in order for CardSecure to work.

Need Help?

Call Card Member Security at 1-833-311-0079 for most debit card inquiries. This includes:

  • Lost/Stolen Cards
  • General Inquiries
  • Card Replacement
  • Reset Pin Attempts
  • Card production Inquiries
  • Card Decline
  • Travel Notices
  • Cardvalet Assistance
  • Cardfree Cash support

To Dispute a Transaction

EMV Debit Cards

SMFCU Debit Cards have an embedded EMV smart chip for additional security.Find out more.

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
Get directions.

Dakotah! Ice Center
2100 Trail of Dreams
Get directions.

Dakotah! Sport & Fitness
2100 Trail of Dreams
Get directions.

Little Six Team Member Entrance
2330 Sioux Trail NW (Little Six Casino)
Get directions.

2571 Credit Union Drive
Get directions.

Mystic Lake Team Member Entrance $$
2400 Mystic Lake (Casino back entrance)
Get directions.

Shakopee Dakota Convenience Store #2
14160 Wilds Path NW
Get directions.

Shakopee Dakota Convenience Store #1
15035 Mystic Lake Drive (Co 83 across from Mystic Lake Casino)
Get directions.

Shakopee ATMs

South Metro FCU $$
8001 Old Carriage Court
(intersection of Hwy 169 and County 21, Southbridge Crossings, open 24 hours)
Get directions.

South Metro FCU $$
574 Marschall Road
(corner of Marschall Road and Eagle Creek Boulevard, open 24 hours)
Get directions.

South Metro FCU
1455 St. Francis Ave.
(in the rotunda between the St. Francis Regional Medical Center medical office building and Park Nicollet, open 24 hours)
Get directions.

Hocokata Ti Gift Shop
2300 Tiwahe Circle
Get directions.

Savage ATMs

South Metro FCU $$
5767 Egan Drive
(in mall, behind McHugh's)
Get directions.

Get there. Start here.

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Routing #: 091981646  |  NMLS ID # 1059389

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