Metro City Bank Personal Interest Checking Account Reviews (October 2021)

Highlights
Monthly Fee	$0 - $15
ATM Fee: Out-of-Network	N/A
Minimum Balance to Avoid Monthly Fee	Starting at $1,000
APY (Annual Percentage Yield)	Starting at 0.01%

Metro City Bank Personal Interest Checking Account Review

Metro City Bank Personal Interest Checking Account is offered by Metro City Bank, a bank founded in 2014 and based in Doraville, GA. Metro City Bank Personal Interest 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 $15, but the fee is waived if you keep a minimum balance of $1,000.
$500 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
Bill pay. Pay your bills to practically anyone in the United States through Metro City Bank.

Metro City Bank personal interest 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 personal interest 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 personal interest checking offer?

Metro City Bank personal interest checking offers an APY starting at 0.01% (APY stands for annual percentage yield, rates may change).

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

What are the account minimums for Metro City Bank personal interest checking?

Metro City Bank personal interest checking requires a minimum initial deposit of $500 to open an account.

Metro City Bank Personal Interest Checking Account Minimums
Description
Minimum Opening Deposit	Starting at $500
Minimum Balance to Avoid Monthly Fee	Starting at $1,000

What fees does Metro City Bank personal interest checking charge?

This account charges a monthly service fee of up to $15.

Metro City Bank Personal Interest Checking Account Fees
Description
ATM Fee: In-Network	$0
Monthly Fee	$0 - $15
Online Bill Pay Fee	$0

Does Metro City Bank personal interest checking charge overdraft fees?

What features and perks does Metro City Bank personal interest checking offer?

This account includes the following features:

Fraud monitoring - Metro City Bank personal interest 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 personal interest 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 personal interest checking?

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

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Message From Metro City Bank Personal Interest 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.

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 $15.00 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 $500.