At Metro City Bank, we are serious about giving our customers superior service in every way possible. You are not a number to us, you are special and we want to treat you that way with the personal touch you expect and deserve. The following are our personal banking products:
- Personal Checking
- Personal Interest Checking
- Metro Platinum Checking
- Personal Savings
- Gold Personal Savings
- Personal Money Market
- Senior Checking
- Certificates Of Deposit (CD)
- Premium Installment Savings Account
- Individual Retirement Accounts (IRA)
Our Personal Checking Account satisfies most everyday checking requirements. As long as you maintain an average or minimum daily balance requirement, no maintenance fee is incurred. If your balance should fall below the target amount, a maintenance fee and a nominal charge per debit is assessed only for that reporting period. Minimum deposit to open account is $100.00.
This interest-bearing checking account is for you if you want the best of all worlds, checking account accessibility with savings account earnings potential. A monthly maintenance fee of $10.00 and $0.25 per debit fee will not be assessed when you maintain a minimum daily balance of $1,000 or an average daily balance of $1,500. Minimum deposit to open account is $500.
Metro Platinum Checking offers you an interest-bearing checking account with unlimited check writing. A monthly maintenance fee of $10 and $0.25 per debit fee will not be assessed when you maintain an average daily balance of $2,000. Minimum deposit to open account is $2,000.
You also receive some very special privileges with this account.
Tiered-Interest rates based on account balance:
- Tier 1 - Daily balance of $ 0 - $ 7,499.99
- Tier 2 - Daily Balance of $7,500.00 - $14,999.99
- Tier 3 - Daily Balance of $ 15,000.00 - $24,999.99
- Tier 4 - Daily Balance of $ 25,000.00 - $49,999.99
- Tier 5 - Daily Balance of $ 50,000.00 and Higher
- With average daily balance of $50,000.00 or more, no charge for Int'l / domestic wire transfer
- 24-hour telephone information line
- No charge for incoming wires
- No charge on the first stamp of Notary Service
- No charge on the first four (4) Official Checks per month
- No charge on the first year rental of Safe Deposit Box
- No charge for first time regular check order
Funds deposited in a Personal Savings Account earn competitive rates. In addition, no service charge is assessed if the minimum required balance is maintained. Limited withdrawals per month are allowed. Minimum deposit to open account is $250.00.
A Personal Money Market Account combines the earnings advantage of money market rates with the convenience of limited check writing. Certain restrictions and minimum balance requirements apply. Minimum deposit to open account is $1,000.00.
Funds deposited in a Savings Account earn competitive rates. In addition, no service charge is assessed if the minimum required balance is maintained. A quarterly net service charge of $5.00 will not be assessed when you maintain a minimum daily balance of $1,000 or an average daily balance of $1,500. Minimum deposit to open account is $1,000. Limited withdrawals per month are allowed.
A Senior Checking Account is especially for persons over 55 years old. No minimum balance is require and unlimited check writing. Minimum deposit to open account is $100. There is no monthly maintenance fee and you receive free checks.
Metro City Bank offers an array of renewable or single-maturity Certificates of Deposit at competitive rates, with terms ranging from 30 days to five years. Minimum opening balance requirement is $1,000. Interest will be credited to your account monthly. Alternatively, you may choose to have interest paid to you or automatic transfer of interest to your checking, saving or money market account. Penalty may be imposed for early withdrawal.
CDARS allows depositors to place large deposits in one bank, yet receive FDIC insurance for amounts up to $50 Million. They can combine the convenience of working with one institution with the security of FDIC insurance-an increasingly important factor in today's economy. The institution sets CD rates, so customers avoid the need to negotiate rates with several different banks and receive only one statement for all of the funds. To inquire about CDARS, please contact one of our associates at (770) 455-4989. Click here for more information.
One deposit per month is required (estimated saving amount) by the scheduled due date. You cannot withdraw principal from this account without our consent except on or after maturity. You may not make the monthly deposit more than five days before the due date. Three month’s interest penalty may be imposed for early withdrawal. Make your monthly payments by the due date or your final maturity value could be less than the initial estimated amount. This account is for one specified term and will not automatically renew for any period beyond the initial maturity date.
Metro City Bank offers two types of IRA’s, namely the Traditional IRA and Roth IRA. Let our customer service representatives help you get started.