2026 July 4th Cashback Promotion

TERMS AND CONDITIONS
Service Fee and Rates: The following checking, savings, and money market accounts are eligible for the cash bonus:

Personal Checking Accounts: Value Checking Accounts havea 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.

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.

Money Market Accounts 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.

¹ Bonus/Account Information: Bonus cash offer is available to existing Metropolitan Bank checking or savings customers. You can receive only one new checking or savings account opening-related bonus per person. To receive the bonus: 1) Open a new qualifying Metropolitan Bank checking, savings, or money market account, which is subject to approval; 2) Deposit the required $10,000 amount for bonus. This offer is valid for checking, savings, or money market accounts opened online and in person. Deposits must be held in the account for 6 months. 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 cash bonus of $250 to be credited to the account holder’s account 30 days after the required 6-month holding period.

Offer availability subject to change without notice. Other Metropolitan Bank bonus offers may exist concurrently.

Effective date: 07/02/2026 – 07/9/2026