¹ Service Fee and Rates: The following checking accounts are eligible for the cash bonus:

Personal Checking Accounts: Value Checking Accounts have a minimum balance of $100 to open an account with an $8 monthly maintenance charge. Value Checking Accounts have no monthly maintenance charge when you maintain a minimum average daily balance of $1,500 per month or a combined average monthly balance of $5,000 in a combination of Metropolitan Bank checking or savings accounts. Value Checking Accounts are non-interest-bearing accounts. Premier Interest Checking Accounts have a minimum balance of $100 to open an account with an $8 monthly maintenance charge. Premier Interest Checking Accounts have no monthly maintenance charge when you maintain a minimum average daily balance of $2,500 per month or a combined average monthly balance of $10,000 in a combination of Metropolitan Bank checking or savings accounts. Premier Interest Checking Accounts have a 0.05% Adjustable Annual Percentage Yield (APY), which is compounded daily and paid out monthly. Senior Citizen Checking Accounts have a minimum balance of $100 to open an account with no monthly fees or monthly minimums to avoid fees. Must be 62 years of age to qualify for a Senior Citizen Checking Account. Senior Citizen Checking Accounts are non-interest-bearing accounts.

² Bonus/Account Information: Bonus cash offer is not available to existing Metropolitan Bank checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening-related bonus per account. To receive the bonus: 1) Open a new qualifying Metropolitan Bank checking account, which is subject to approval; 2) Maintain a daily minimum balance of $2,500; 3) Set up two direct deposits totaling $1,800 or more per month for 6 months made to this account within 30 days of opening your account. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person-to-Person payments (such as Zelle^®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account; 4) Set up one recurring monthly bill pay from your account. This offer is only valid for checking accounts opened online. After you have completed all the above requirements, we will deposit the bonus in your new account within 30 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. In addition, at the end of the 6-month period, if you have completed all the above requirements, you will automatically be entered into a raffle for additional cash bonuses. This additional cash raffle bonus will be paid out 30 days after the raffle is held. To receive the additional raffle cash bonus, the enrolled account must not be closed or restricted at the time of the raffle cash bonus payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Bonus amounts: Each account that meets the above requirements is eligible for a $200 cash bonus to be credited to the account holder’s account 30 days after the required 6-month holding period. Each eligible account holder will be automatically entered into a raffle held at the end of the entire promotional period plus 6-months’ holding period. The raffle amount is $50.

Offer availability subject to change without notice. Other Metropolitan Bank checking bonus offers may exist concurrently.

Effective date: