Cash Back Reward 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.

Personal Savings Accounts: Value Savings 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. Value 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 not available to existing Metropolitan Bank checking or savings customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. 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 or savings account, which is subject to approval; 2) Use the Promo Code: LUNAR for accounts opened online; 3) Deposit the required amount for bonus as follows: Deposit $6,800 for a $200 bonus. This offer is valid for checking and savings accounts opened online and in person. Deposits must be held in the account for 188 days. 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 to be credited to the account holder’s account 30 days after the required 188-day holding period.

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

Effective date: 02/12/2026 – 02/28/2026

Safe Deposit Box Promotion

TERMS AND CONDITIONS
Service Fee and Rates: The following checking accounts are eligible for the safe deposit box promotion:

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.

² Bonus/Account Information: Bonus cash offer is not available to existing Metropolitan Bank checking or savings customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. 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 account, which is subject to approval; 2) Deposit the required amount for bonus as follows: Deposit $2,800 for the first year fee of $55 on a 2×5 safe deposit box to be waived. Customers may choose a larger box but must pay the increased fee above $55 from the larger box. This offer is valid for checking accounts opened in person. Deposits must be held in the account for one year. After you have completed all the above requirements, we will refund the safe deposit box fee into 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 refund of one year of a 2×5 safe deposit box fee equivalent to $55 to be credited to the account holder’s account 30 days after the required one year holding period, while supplies last.

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

Effective date: 02/12/2026 – 02/28/2026