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  Metro City Bank Metro Platinum Checking Account

Metro City Bank Metro Platinum Checking Account

in Checking Accounts from Metro City Bank

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Metro City Bank Metro Platinum Checking Account

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in Checking Accounts from Metro City Bank

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Highlights
Monthly Fee $0 - $10
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee Starting at $2,000
APY (Annual Percentage Yield) Starting at 0.01%

Metro City Bank Metro Platinum Checking Account Review

Metro City Bank Metro Platinum Checking Account is offered by Metro City Bank, a bank founded in 2014 and based in Doraville, GA. Metro City Bank Metro Platinum Checking Account is available in 7 states across the USA.

Key Takeaways
  • Charges a monthly fee. This account charges a monthly service fee of up to $10, but the fee is waived if you keep a minimum balance of $2,000.
  • Large minimum initial deposit. You need a minimum deposit of $2,000 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
  • Bill pay. Pay your bills to practically anyone in the United States through Metro City Bank.
Metro City Bank checking Pros & Cons
Pros Cons
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest.
  • Does not provide access to a nationwide ATM network.
  • Not FDIC-insured.
  • Only available in 7 states.
  • Monthly service charge.
Metro City Bank checking FAQ

Are checking accounts from Metro City Bank federally insured?

No, your Metro City Bank checking accounts are not insured by a federal insurance agency. This means that if Metro City Bank were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Metro City Bank checking offer?

Metro City Bank checking offers an APY starting at 0.01% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $0.01.

Metro City Bank checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.01%

What are the account minimums for Metro City Bank checking?

Metro City Bank checking requires a minimum initial deposit of $2,000 to open an account.

Metro City Bank Metro Platinum Checking Account Minimums
Description
APY Minimum Balance $0.01
Minimum Opening Deposit Starting at $2,000
Minimum Balance to Avoid Monthly Fee Starting at $2,000

What fees does Metro City Bank checking charge?

This account charges a monthly service fee of up to $10.

Metro City Bank Metro Platinum Checking Account Fees
Description
ATM Fee: In-Network $0
Monthly Fee $0 - $10
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0

Does Metro City Bank checking charge overdraft fees?

What features and perks does Metro City Bank checking offer?

This account includes the following features:

  • Fraud monitoring - Metro City Bank checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Metro City Bank checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Metro City Bank checking?

The customer support email for Metro City Bank checking is HelpDesk@metrocitybank.com.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Metro City Bank Metro Platinum Checking Account

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.

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.

 

Availability

  Available in 7 states
  • Alabama
  • Florida
  • Georgia
  • New Jersey
  • New York
  • Texas
  • Virginia

Feature Breakdown

APY Minimum Balance $0.01
Minimum Opening Deposit Starting at $2,000
Minimum Balance to Avoid Monthly Fee Starting at $2,000
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Monthly Fee $0 - $10
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Check Writing
APY (Annual Percentage Yield) Starting at 0.01%

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