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.

Checking accounts at South Metro FCU

Checking Account Options

  • No Monthly Fee
  • Unlimited check writing
  • Dividends paid for balances over $100
  • Free Debit Card
  • Unlimited use of ATM machines on the CO-OP Network
  • See our Fee Schedule and Rate Table for more information.
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.

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

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.

Take Control of your Debit (and Credit) Cards

CardSecure lets you manage your SMFCU cards via your mobile app in real time. Protection against card fraud and misuse is now available right at your fingertips!

  • Control when and where your card is used
  • 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.

Problems with your Debit Card?

  • To report a lost or stolen Debit card, call Card Member Security at 1-833-311-0079.
  • To dispute a Debit card transaction, call the Fiserv Dispute Line at 1-833-311-0083.

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 Mdewakanton Gov't Center
2330 Sioux Trail NW (Next to Little Six Casino - off of Co. 83)
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 $$
696 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.

Savage ATMs

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

CO-OP Locator

Get there. Start here.

Find South Metro on FacebookFollow South Metro on TwitterCheck Out South Metro's Instagram feed

Routing #: 091981646  |  NMLS ID # 1059389

We at South Metro Federal Credit Union are committed to the digital inclusion and providing a website that is accessible to the widest possible audience in accordance with certain standards and guidelines. We are striving consistently to conform to WCAG 2.0 Level AA of accessibility. If you run into any barriers, please reach out to us at 952-445-0888 or

Equal Housing Lender    NCUA Insurance     Excess Share Insurance

© Copyright 2021. All rights reserved. South Metro Federal Credit Union.    SEND US A SECURE EMAIL

Need Help?

Call 952-445-0888 to contact us. We're eager to help!