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US Metro Bank offers variety of personal accounts to meet your personal financial needs to bring you full satisfaction coupled with heart-warming service.


Metro Family Checking

An account designed for the individual with minimum activity.
Usage Guidelines: One account per household

  • Interest: None
  • Monthly Service Charge: None
  • Minimum Opening Balance: $1 plus check order fee


Standard Checking

An account designed to accommodate various consumer needs.

Usage Guidelines: Must maintain daily balance of $500 or average monthly balance of $1,000 to avoid monthly service charge

  • Interest: None
  • Monthly Service Charge: $10 if balance falls below the minimum balance requirement.
  • Minimum Opening Balance: $100


Senior Citizen Checking

A special checking account for individuals 65 years and over. 

  • Usage Guidelines: None
  • Interest: None
  • Monthly Service Charge: No monthly service charge.
  • Minimum Opening Balance: None


Super NOW Checking

 An interest bearing account for individuals, sole proprietors, attorney trust accounts, or qualified non-profit organization.

  • Usage Guidelines: This account allows unlimited checks, transfers and withdrawals. Must maintain daily balance of $2,500 or average monthly balance of $5,000 to avoid monthly service charge.
  • Interest: Interest is compounded daily and paid monthly.
  • Monthly Service Charge: $10 if balance falls below the minimum balance requirement.
  • Minimum Opening Balance: $1,000


Value Money Market Account

An interest bearing, limited transaction, checking account for individuals and businesses.

  • Usage Guidelines: This account is limited to six (6) pre-authorized, automatic, or third party transfers per statement of which no more than three (3) can be by check, draft, or debit card. Excess debit of $12 per transaction. Must maintain daily balance of $2,500 or average monthly balance of $5,000 to avoid monthly service charge.Interest: Interest is compounded daily and paid monthly. 
  • Monthly Service Charge: $10 if balance falls below the minimum balance requirement.
  • Minimum Opening Balance: $1,000


Savings

This account is designed for individuals and businesses.

  • Usage Guidelines: This account is limited to six (6) preauthorized/telephone or automatic transfers or withdrawals during a statement cycle or calendar month. Must maintain daily balance of $300 to avoid monthly service charge.
  • Interest: Interest is compounded daily and paid quarterly.
  • Monthly Service Charge: $5 if balance falls below the minimum balance requirement. $0.25 will be charged for transfers or withdrawals over six (6).
  • Minimum Opening Balance: $300


Kids Accounts

This account is designed for minors.

  • Usage Guidelines: This account is limited to six (6) preauthorized/telephone or automatic transfers or withdrawals during a statement cycle or calendar month. Must maintain daily balance of $300 to avoid monthly service charge.
  • Interest: Interest is compounded daily and paid quarterly.
  • Monthly Service Charge: None
  • Minimum Opening Balance: $1


Installment Savings

Savings account wherein an individual contracts to make equal monthly deposits to collect a lump sum at the end of the contract.

  • Usage Guidelines: Must deposit equal monthly amounts to satisfy contract amount
  • Interest: Interest is compounded daily and paid quarterly. 
  • Monthly Service Charge: None
  • Minimum Opening Balance: 1st month installment amount


Certificate of Deposit

This account is designed for individuals and businesses. It is interest bearing and a term account.

  • Usage Guidelines: Funds must be on deposit for the term of the certificate, otherwise, early withdrawal penalty will be assessed.
  • Interest: Interest may be simple or compounded depending on initial deposit. 
  • Monthly Service Charge: None
  • Minimum Opening Balance: Amount of certificate.

 

Please call our new account representative at 714-620-8888 for further account information.