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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 · Member FDIC
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Metro City Bank Metro Platinum Checking Account

Unaffiliated
in Checking Accounts from Metro City Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) Starting at 0.01%
(Verified 08/04/2023)
Monthly Fee $0.25 - $10
(Verified 08/04/2023)
Minimum Balance to Avoid Monthly Fee Starting at $2,000

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 checking 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.
  • Only available in 7 states.
  • Monthly service charge.

Metro City Bank checking FAQ

Are checking accounts from Metro City Bank federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #58181). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

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
Minimum Opening Deposit Starting at $2,000
Minimum Balance to Avoid Monthly Fee Starting at $2,000
Minimum Balance to Earn APY $0.01

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
Monthly Fee $0.25 - $10
ATM Fee: In-Network $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Online Bill Pay Fee $0

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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Message From Metro City Bank checking

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.

 

Other Checking Accounts by Metro City Bank

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Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $2,000
Minimum Balance to Avoid Monthly Fee Starting at $2,000
Minimum Balance to Earn APY $0.01
Monthly Fee $0.25 - $10
(Verified 08/04/2023)
ATM Fee: In-Network $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Online Bill Pay Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
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%
(Verified 08/04/2023)

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