Metro City Bank Personal Interest Checking Account Reviews (Apr. 2021) | Checking Accounts

Highlights
Monthly Fee	$0 - $15
ATM Fee: Out-of-Network	N/A
Minimum Balance to Avoid Monthly Fee	$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 maintenance 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.
Free bill pay. Pay your bills to practically anyone in the United States through Metro City Bank.
Hard credit pull. Metro City Bank may require a hard pull on your credit report to open a checking account.

Metro City Bank Personal Interest Checking Account 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 Personal Interest Checking Account 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 Account offer?

Metro City Bank Personal Interest Checking Account offers an APY starting at 0.01% (APY stands for annual percentage yield, rates may change).

Metro City Bank Personal Interest Checking Account Rates and Terms
Rates	Amount
APY (Annual Percentage Yield)	0.01%

What are the account minimums for Metro City Bank Personal Interest Checking Account?

Metro City Bank Personal Interest Checking Account requires a minimum initial deposit of $500 to open an account.

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

What fees does Metro City Bank Personal Interest Checking Account charge?

This account charges a monthly maintenance 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

What features and perks does Metro City Bank Personal Interest Checking Account offer?

This account includes the following features:

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

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