Random payment verification allows a customer to have access to funds electronically transferred for initial deposit and/or register an external bank account to make subsequent transfers to and from MetLife Bank. With Random Payment Verification, you will be authorizing MetLife Bank to credit your external bank account with two small payments of a few cents each in order to validate ownership of the account. This validation process expedites both the transfer and the availability of the funds. Upon completing the process for an initial deposit, the external account used for the initial transfer will become a registered “external account, which can be used for future quick and easy transfers to and from MetLife Bank.
Upon successfully completing the deposit application process, you will be given options on how you would like to fund your new MetLife Bank account. If you choose Random Payment as the method of funding, you are authorizing MetLife Bank to credit your external bank account with two small payments. You should allow up to 2 days for these payments to be made to your external account. To complete the process, you must return to the MetLife Bank website within 60 days of the date that you elected random payment verification. On the MetLife Bank website click on "Funds Transfer" on the left hand menu, and then select "Pending External Accounts". You will be asked to verify the amounts of the two payments that were made to your external bank account. Once verified, it may take up to 48 hours for your initial electronic transfer to be credited to your account. For the initial deposit, funds will be available for withdrawal 5 business days after the transfer takes place. For the initial deposit, funds will be available for withdrawal five business days after the transfer takes place. For deposits other than the initial deposit, funds will generally be available for withdrawal the following business day.
Once you’ve opened your MetLife bank account, you can make deposits in any of the following manners:
After you have opened a MetLife Bank account, you have the ability to register up to five external bank accounts either by mail or by random payment verification. Registering external accounts is a quick and easy process that will enable you to transfer funds to and from your MetLife Bank account. Transferred funds may take 48 hours for processing before they are available.
Arrange direct deposit
To arrange direct deposit of your paycheck or government check into your MetLife Bank account, download a Direct Deposit form. Once completed, give it to your payroll manager or send it to Social Security Administration along with a voided check. (Please ensure that you are meeting your employer's specific direct deposit requirements).
Wire Transfer & Automated Deposits
For wire transfers and automated monthly deposits from another financial institution, call a MetLife Banking Advisor or contact that institution with your account number and MetLife Bank's routing and transit number - 021213591.
Deposit by Mail
To mail your deposit, print "FOR DEPOSIT ONLY" clearly on the back of your check(s) above your endorsement. Don't forget to sign it, include a deposit slip, and please DO NOT send cash. If you need deposit slips visit the Web site or call 1-866-BankMet (1-866-226-5638).
Mail your deposit(s) to:
MetLife Bank, NA
P.O. Box 5868
Hicksville, NY 11802
You must have a valid U.S. residence, a U.S. Social Security Number or a U.S. Tax Identification Number and a U.S. Driver's License, State Identification Number or Military ID to apply for a MetLife Bank account.
Outside the United States, export restrictions may prevent you from downloading a browser with the 128-bit encryption required for Internet banking.
Yes, and, MetLife Bank will give you your first order of checks at no cost with a Money Market Account. Federal regulations limit the number of checks that can be written on a Money Market Account to three each statement cycle. Please review the Money Market Account Agreement for more information on transaction limitations.
You can access your money using your ATM card, the phone, or checks. Whether in the U.S. or abroad, you can get cash and perform other basic transactions at any ATM displaying the Plus, NYCE, STAR (Formerly MAC).
Effective October 25, 2002, all financial institutions are required by Section 326 of the federal USA PATRIOT ACT to:
Verify the identity of any person seeking to open an account.
Maintain records of information used to verify the person's identity.
Determine whether the person appears on any lists of known or suspected terrorists or terrorist organizations provided to the financial institution by any government agency.
As part of MetLife Bank's account opening process, you will be required to verify your identity. You may also be required to produce documents (such as a valid driver’s license or state identification card bearing your photograph) to assist in verifying your identity. MetLife Bank may obtain your credit report and make inquiries into commercially available databases to assist in verifying your identity.
For more information on Section 326 of the federal USA PATRIOT ACT please contact your local government official.