2026 Refer a Friend Promotion

TERMS AND CONDITIONS
Service Fee and Rates: The following checking and savings 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 checking or savings accounts. Value Checking Accounts are non-interest-bearing accounts. Premier Interest Checking Accounts have a minimum balance of $100 to open an account with an $8 monthly maintenance charge. Premier Interest Checking Accounts have no monthly maintenance charge when you maintain a minimum average daily balance of $2,500 per month or a combined average monthly balance of $10,000 in a combination of Metropolitan Bank checking or savings accounts. Premier Interest Checking Accounts have a 0.05% Adjustable Annual Percentage Yield (APY), which is compounded daily and paid out monthly. Senior Citizen Checking Accounts have a minimum balance of $100 to open an account with no monthly fees or monthly minimums to avoid fees. Must be 62 years of age to qualify for a Senior Citizen Checking Account. Senior Citizen Checking Accounts are non-interest-bearing accounts. Money Market Accounts (MMA) have a $2,500 minimum opening balance with no monthly maintenance charge if the $2,500 minimum daily balance is maintained. If the balance falls below the minimum $2,500, a $10.00 monthly maintenance fee will be charged. Money market accounts offer tiered market rate of interest compounded daily, paid monthly. No more than (6) preauthorized withdrawals, on-line transfers, automatic or telephone transfers, checks, drafts, debit card and similar transactions per month are permitted without fees. A $10.00 service charge for each item in excess of (6) preauthorized withdrawals, on-line transfer, automatic or telephone transfers, checks, drafts, debit card and similar transactions per month will be charged.

Personal Savings Accounts: Value Savings Accounts Accounts have a minimum balance of $300 to open an account with a $15 monthly maintenance charge. Value Savings Accounts have no monthly maintenance charge when you maintain a minimum average daily balance of $1,500. Interest is compounded daily, paid quarterly, on accounts above the $1,500 minimum daily balance. If you close your account before interest is credited, you will not receive the accrued interest. Value Savings Accounts offer unlimited deposits and withdrawals by mail or in-person. No more than six (6) preauthorized withdrawals, on-line transfers, automatic or telephone transfers, checks, and drafts per month. A $10.00 service charge will be applied for each item in excess of the six (6) preauthorized withdrawals, on-line transfers, automatic or telephone transfers, checks, drafts, and similar transactions per month. Super Savings Accounts have a minimum balance of $5,000 to open an account with a $15 monthly maintenance charge. Super Savings Accounts have no monthly maintenance charge when you maintain a minimum average daily balance of $5,000. Interest is compounded daily, paid quarterly, on accounts above the $5,000 minimum daily balance. If you close your account before interest is credited, you will not receive the accrued interest. Super Savings Accounts offer unlimited deposits and withdrawals by mail or in-person. No more than six (6) preauthorized withdrawals, on-line transfers, automatic or telephone transfers, checks, and drafts per month. A $10.00 service charge will be applied for each item in excess of the six (6) preauthorized withdrawals, on-line transfers, automatic or telephone transfers, checks, drafts, and similar transactions per month.

¹ Bonus/Account Information: Bonus cash offer is available to existing Metropolitan Bank checking, savings, and MMA customers. Eligible customers may receive more than one referral bonus. To receive the bonus: 1) refer a friend who is a new customer to the Bank; 2) the referred individual must open a new qualifying Metropolitan Bank checking, savings, or MMA account, subject to account approval; and 3) the referred individual must deposit and maintain the required balance for the account opened and satisfy the required six (6)-month holding period.

This offer is valid for checking and savings accounts opened in person. After all program requirements have been satisfied by both the referring customer and the referred customer, the applicable cash bonus will be deposited into the eligible account within 30 days following completion of the six (6)-month holding period.

To receive a bonus, the enrolled account must be open, active, and not restricted at the time of bonus payout. Eligibility may be limited based on account ownership or account type. Bonus payments are considered interest and may be reported to the IRS on Form 1099-INT (or Form 1042-S, if applicable).

Bonus Amounts: Each account that meets the qualifying requirements described above is eligible for a cash bonus. Cash bonuses will be credited to the applicable account 30 days after completion of the required six (6)-month holding period, provided all program requirements continue to be satisfied.

Bonus amounts are as follows: For each new customer referred who opens a qualifying account and satisfies all account opening and holding requirements, the referring customer will receive a $25 cash bonus. Each new customer referred by an existing customer of the Bank who opens a qualifying account and satisfies all applicable program requirements described above will also receive a $25 cash bonus. After opening a qualifying account, referred customers may also participate in the referral program and receive additional bonuses by referring eligible new customers who satisfy all applicable program requirements

Offer availability subject to change. Other Metropolitan Bank bonus offers may exist concurrently.

Effective date: 06/01/2026 – 06/30/2026