Checking & Savings
Less time banking means more time to focus on your personal goals.
Personal Checking
Need a simple and convenient account with a low opening balance? Regular checking is designed for your needs. This account comes with a high level of service regardless of the balance.
- First order of checks free.
- Debit Card.
- Non-interest Bearing Account.
- Unlimited check writing for free.
| Minimum Balance to Open | Monthly Maintenance Charge | Per Item Charge | Daily Balance Requirement to Waive Monthly Maintenance Charge |
|---|---|---|---|
| $100 | None | None | Not Applicable |
Senior Citizen Checking
Thinking of retirement? If you’re at least 55 years old, this account comes with a LOW cost, high level of service that affords you the luxury of unlimited check writing.
- First order of checks free.
- Non-interest Bearing Account.
- Unlimited check writing for free.
| Minimum Balance to Open | Monthly Maintenance Charge | Per Item Charge | Daily Balance Requirement to Waive Monthly Maintenance Charge |
|---|---|---|---|
| $10 | None | None | Not Applicable |
Personal Interest Checking
Enjoy the advantages of Personal Checking while earning a variable interest rate.
- First order of checks free.
- Debit Card.
- Unlimited check writing for free.
- Interest accrued daily & paid monthly on balances of $1000 or more.
| Minimum Balance to Open | Monthly Maintenance Charge | Per Item Charge | Daily Balance Requirement to Waive Monthly Maintenance Charge |
|---|---|---|---|
| $500 | None | None | Not Applicable |
Personal Super Interest Checking
Enjoy the advantages of Interest Checking while earning a HIGHER interest rate.
- First order of checks free.
- Debit Card.
- Unlimited check writing for free.
- If balance falls below the minimum $2,500, no interest will be paid on the deposit balance.
| Minimum Balance to Open | Monthly Maintenance Charge | Per Item Charge | Daily Balance Requirement to Waive Monthly Maintenance Charge |
|---|---|---|---|
| $2,500 | None | None | Not Applicable |
Personal Money Market Accounts
Earn interest at a tiered rate while enjoying the flexibility of access to your funds.
- First order of checks free.
- Limited check writing convenience.
- Tiered market rate of interest compounded daily, payable monthly.
- If balance falls below minimum $2,500, $10 monthly maintenance charge.
- $10.00 service charge for each item in excess of six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions per month.
| Minimum Balance to Open | Monthly Maintenance Charge | Per Item Charge | Daily Balance Requirement to Waive Monthly Maintenance Charge |
|---|---|---|---|
| $2,500 | None | None | $2,500 |
Personal Regular Savings Accounts
Invest your money in a secure financial institution.
- Interest compounded daily & paid quarterly.
- Telephone transfers (3 per month free).
- Unlimited deposits & withdrawals by mail or in-person.
- If balance falls below minimum $300, $15 monthly maintenance charge and no interest will be paid on the deposit balances.
- $10.00 service charge for each item in excess of six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card and similar transactions per month.
| Minimum Balance to Open | Monthly Maintenance Charge | Per Item Charge | Daily Balance Requirement to Waive Monthly Maintenance Charge |
|---|---|---|---|
| $100 | $10 | None | $300 |
Checking, Savings and Certificates of Deposits at Metropolitan Bank are insured by the Federal Deposit Insurance Corporation, an agency of the United States Government. Each depositor is insured up to $250,000. Coverage of a higher amount is possible by opening accounts using more than one type of ownership or by opening an account under the Bank’s special CDARS program.
Information is effective January 1, 2020 and is subject to change from time to time without notice.