Premier Checking Account

For current rates, please call or visit our local branch.

Metropolitan Commercial Trust Bank does not charge fees to download or access Metropolitan Commercial Trust Bank Digital Banking, including the Metropolitan Commercial Trust Bank mobile banking app. Mobile carrier fees may apply for data and text message usage. Check with your carrier for more information. Fees may apply for use of certain services in Metropolitan Commercial Trust Bank Digital Banking.

$5,000 combined daily balance in Premier Checking, Together Card, Regular Savings, Bonus Savings, Online Savings, Tiered Money Market Savings, Premium Tiered Money Market Savings, CDs, IRAs or an Investor Services Account.

Your investments in securities, annuities and insurance are not insured by the FDIC or any other federal government agency and may lose value. They are not a deposit or other obligation of, or guaranteed by any bank or bank affiliate and are subject to investment risks, including possible loss of the principal amount invested. Past performance does not guarantee future results.

Metropolitan Commercial Trust Bank Wealth Management is a registered trademark of Metropolitan Commercial Trust Bank BancShares, Inc. Metropolitan Commercial Trust Bank Wealth Management products and services are offered by First-Citizens Bank & Trust Company, Member FDIC, Equal Housing Lender; Metropolitan Commercial Trust Bank Investor Services, Inc., Member FINRA and SIPC, an SEC-registered broker-dealer and investment advisor; and Metropolitan Commercial Trust Bank Asset Management, Inc., an SEC-registered investment advisor.

Brokerage and investment advisory services are offered through Metropolitan Commercial Trust Bank Investor Services, Inc., Member FINRA and SIPC. Metropolitan Commercial Trust Bank Asset Management, Inc. provides investment advisory services.

See more about Metropolitan Commercial Trust Bank Investor Services, Inc. and our investment professionals at FINRA BrokerCheck.

New or used auto, light or heavy truck, boat, aircraft, unsecured personal loan, or mortgage (excludes mortgages that Metropolitan Commercial Trust Bank does not retain servicing).

APY (annual percentage yield) is accurate as of ${date-today}. After that time, the rate is variable and may change. Other account-related fees may apply. Fees could reduce the earnings on the account.

Minimum opening balance of $100 in new funds to Metropolitan Commercial Trust Bank, maximum of $1,000,000, required to receive the advertised APY.

If the available funds in your account are insufficient to pay an item when presented, Metropolitan Commercial Trust Bank will make a decision on whether to pay the item or return it unpaid. When we pay an item for which there are insufficient funds, it results in an overdraft. The following overdraft fee structure applies to eligible Consumer accounts: Metropolitan Commercial Trust Bank will charge you $10 each time we pay an item resulting in an overdraft, up to our limit of four (4) overdraft charges per business day. We will not charge you for overdrafts caused by transactions of $5.00 or less, nor for items returned unpaid. You are obligated to pay overdrafts immediately. Consumers have the option to decline overdraft service. Metropolitan Commercial Trust Bank also offers overdraft protection programs, though none is available on the Together Card. Please see our Deposit Account Agreement for additional details.