Checking

Today's checking accounts offer more than just access to the funds you need to live every day. We offer five unique options to suit the way you want to bank.

Free Checking

at Metropolitan lives up to its name. We waive all fees and offer exceptional convenience. You'll never have to pay an ATM fee—even if you use a machine that isn't affiliated with Metropolitan. Here are just some of the advantages:

  • No monthly charges
  • Unlimited account transactions without fees
  • Online banking with bill pay
  • Easy debit card access
  • Free first order of checks
  • Convenient e-statements
  • Overdraft protection
  • Dedicated financial center
  • No fees for remote ATM transactions*

Interest Checking

is perfect for Metropolitan clients who demand more out of their checking account. In addition to fee-free access to any ATM nationwide, this checking account offers monthly compounded interest on your account balance.

  • Tiered interest with a $1,000 minimum balance
  • Unlimited account transactions without fees
  • Online banking with bill pay
  • Easy debit card access
  • Free first order of checks
  • Convenient statements with images
  • Overdraft protection
  • Dedicated financial center
  • No fees for remote ATM transactions*

Private Client Checking

at Metropolitan is our premium personal checking account offering a comprehensive portfolio of options.

  • Tiered interest with a $5,000 minimum balance or $15,000 in aggregate balances
  • Unlimited account transactions without fees
  • Online banking with bill pay
  • Easy debit card access
  • Free first order of checks
  • Convenient statements with images
  • Overdraft protection
  • Dedicated financial center
  • No fees for remote ATM transactions*

Overdraft Lines of Credit

give you peace of mind. A $5 overdraft can cost you ten times or more in penalty charges for a simple mistake. We can provide protection for your Metropolitan checking, savings, and money market accounts with an overdraft line of credit.

Relationship Money Market Accounts

reward you for having additional accounts with an attractive rate, easy accessibility, and even more Metropolitan benefits. It's a smart account that pays.

  • Daily compounded interest paid monthly
  • Tiered interest rates
  • Online banking with bill pay
  • Easy debit card access
  • Free first order of checks
  • Automatic monthly transfers from checking to savings
  • Fee-free checking account access
  • Fee-free savings account
  • Free safe deposit box access
  • Discount on installment loans of .25%
  • Overdraft protection
  • No fees for remote ATM transactions*
  • Up to 6 (federally regulated) free withdrawals monthly

* You can use any domestic ATM, and Metropolitan will refund any foreign bank ATM fees incurred. In other words, you never pay a fee for ATM transactions in the U.S. on personal accounts.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.