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FIND THE RIGHT CHECKING ACCOUNT

You work hard for your money. It deserves a safe home. But not everyone has the same needs and goals when it comes to cash management. That's why we offer six distinct checking options1 with different features and rewards.

Our Most Popular Checking Options

  • ONB EVERYDAY CHECKING

    Open Account

    • Basic Savings – an easy way to save
    • Market Monitor – a simple, market-rate account
  • ONB STUDENT CHECKING

    Open Account

    • No minimum balance
    • No monthly service fee4
    • Kids Start Savings – a fun way to develop a saving habit
  • ONB PREFERRED CHECKING

    Open Account

    • Select Savings – the perfect blend of security and return
    • Market Monitor – a simple, market-rate account
  • ONB CLASSIC CHECKING

    Open Account

    • Earn interest with tiered rates5
    • Complimentary First Metro standard checks or 25% off other styles
    • Check images mailed with statements or online images with eStatements

ONB EZ Access Account

  • A CHECKLESS ACCOUNT WITHOUT OVERDRAFT FEES

    • No minimum balance requirement
    • 5 money orders per month included*
    • No paper checks, just use your debit card
    • Free eStatements or paper statements
    • Open an account with as little as $10
  • MONTHLY SERVICE CHARGE

    • Monthly service charge of $4.95
    • No overdraft fees
    • Debit card included
    • eStatements or paper statements

    Learn More

    Or visit us to open yours.

Checking Benefits With Every Account

All of our checking accounts1 include:

  • Debit Mastercard® with chip technology7
  • Surcharge-free transactions at any First Metro ATM and more than 55,000 Allpoint® ATMs worldwide8
  • Digital Banking with Bill Pay and Mobile Deposit9
  • Apple Pay, Google Pay and Samsung Pay so you can shop in-store, in-app or online10
  • Zelle® so you can securely send money to the people you trust11
  • Real-time transaction alerts; turn your card on/off with Card Controls
  • Automated Fraud Monitoring alerts you to potentially unauthorized transactions
  • $50 ReferLive referral bonus12
  • Overdraft Solutions to help you manage your accounts

The First Metro Finance Routing Number is 086300012. See it on a check. See our other account FAQs.  

Tips and Advice for Your Money

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FIND THE RIGHT CHECKING ACCOUNT

Choose a checking account that fits your spending habits and lifestyle.

Go to Our Selector

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SAVINGS CALCULATORS

How much could your savings be worth? How much should you deposit each month? Get your questions answered!

Go to Calculators

A family together snacking on food

4 MONEY MYTHS AND HOW TO TACKLE THEM

Many people put off their money goals until later. Achievement happens when you start now. Learn how.    

Start Your Journey

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MOBILE CHECK DEPOSIT

Use your mobile phone to deposit checks — and save yourself a trip to your local branch.

Learn More

Our 5 Most Frequently Asked Questions

A: The First Metro Finance routing number is 086300012.

A: Your account number is a ten-digit number along the bottom of your check. It is the second number, following our routing number. (See it on a check.)

You can also find your account number along the top of your statement, whether you have online or paper statements.

A: Check deposits made at a banking center or at an ATM post to your account on the following business day.

Cash deposits made at a banking center on Monday through Friday generally post that business day. The cutoff time varies depending on the closing hours of a given banking center. In-center cash deposits made on Saturday post the following business day; cash deposits made at a night depository typically post one hour after the banking center’s next scheduled opening time Monday through Friday.

Deposits after the cutoff time will post to the account on the following business day.

Please note: Cash deposits made at an First Metro ATM after the cutoff time may reflect as available on your receipt and within online banking but will not be available to pay items posting on that business day.

“Pending” means we have received your deposit request, but it has not yet been fully processed.

A: Please visit our instructions for using Zelle®. (Note: if you haven’t already, you will need to be enrolled in online banking and download the ONB Mobile App to use Zelle®.)

Curious about how peer-to-peer payments work? Learn more.