Service Fee and Rates: The following checking accounts are eligible for the cash bonus:

Personal Checking Accounts: Value Checking Accounts have a minimum balance of $100 to open an account with an $8 monthly maintenance charge. Value Checking Accounts have no monthly maintenance charge when you maintain a minimum average daily balance of $1,500 per month or a combined average monthly balance of $5,000 in a combination of Metropolitan Bank (Bank) checking or savings accounts. Value Checking Accounts are non-interest-bearing accounts. However, accounts opened under this promo code that meet the above listed qualifications to receive the $25 bonus will not be required to maintain a monthly minimum balance and will have the $8 monthly maintenance charge waived. First order of checks free. Please refer to the Schedule of Charges for details.

¹ Bonus/Account Information: Bonus cash offer is available to existing and new Bank checking account customers who open a new account online with new funds. All applicants must not have closed checking accounts or savings accounts with the Bank within 90 days prior or closed accounts with a negative balance within the last 3 years. You can receive only one new bonus checking account per customer. To receive a bonus when applying online, use promo code: LEARN. To receive the $25 bonus: 1) Open a new Value Checking Account, which is subject to approval; 2) Use your college student email address ending in *.edu; 3) Provide a government issued ID showing applicant’s age is under 25 years old. To receive additional $10 bonus per month: 4) Get and use a debit card linked to this account and use the debit card for 5 of more transactions per month. After you have completed all the above requirements, we will deposit the bonus in your new account within 30 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Bonus amounts: Each account that meets the above requirements is eligible for a total of up to $85 cash bonus per the above terms to be credited to the account holder’s account 30 days after the required 6-month holding period.

Offer availability is subject to change without prior notice. Other Bank checking account bonus offers may exist concurrently.

Effective date: 8/28/2025 – 10/18/2025