Next-Gen Banking for
America's Future.
Experience institutional security combined with digital velocity. Metro Bank of America provides high-yield checking (4.85% APY), seamless commercial credit, zero-fee wire transfers, and comprehensive wealth management tailored to your personal and business ambitions.
1,000,000+ Active Account Holders
4.9/5 Rating Across 50 States
Metro Platinum Obsidian Reserve
•••• 7792 • EXP 12/29
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ENTERPRISE-GRADE TREASURY & COMMERCIAL LIQUIDITY
Trusted by over 50,000 American corporations, institutional funds, logistics leaders, and high-growth enterprises nationwide.
The American Banking Standard
We deliver unparalleled financial stability, rapid settlement times, and private wealth solutions designed to empower individuals, families, and commercial enterprises.
FDIC Insured Protection
Your deposits are legally backed by federal deposit insurance up to $250,000 per depositor. Our systems are guarded by military-grade 256-bit AES GCM encryption and automated fraud defense.
Instant Wire & RTP Clearing
Originate domestic wire transfers, ACH batches, and instant RTP payments across all 50 states in real time. Experience automated clearing with zero hidden fees and continuous settlement.
24/7 Omnichannel Banking
Take complete command of checking, high-yield savings, mortgages, and investment portfolios from any device. Access check deposits, virtual card issuance, and cashflow analytics.
High-Yield APY Optimization
Accelerate the growth of your liquid capital with market-leading savings rates that compound daily. Enjoy complete liquidity with zero lockups, minimums, or withdrawal penalties.
Dedicated Private Bankers
Every account holder receives direct access to certified financial advisors and commercial banking specialists to navigate complex transactions, lending, and estate planning.
Commercial Merchant Solutions
From integrated POS terminals and automated invoicing to revolving credit lines, Metro Bank of America fuels small business growth and enterprise operations with tailored liquidity.
Strategic Wealth Solutions
Built for Generational Growth
Unlock custom investment portfolios guided by experienced fiduciary wealth managers, quantitative risk models, and direct access to alternative markets. Whether you are preserving family assets or structuring corporate succession, Metro Bank delivers disciplined capital allocation.
Tax-Efficient Retirement & Estate Structuring
Maximize your post-tax returns through customized Traditional/Roth IRAs, 401(k) rollovers, and multi-generational trust management.
Dedicated Fiduciary Advisory Team
Work directly with certified portfolio managers bound by fiduciary standards to safeguard and optimize your capital allocation.
Diversified US & Global Equities
Gain direct access to institutional equities, municipal and corporate bond syndicates, real estate trusts (REITs), and private placement funds.
Private Banking Credit Facilities
Secure favorable terms on jumbo residential mortgages, securities-backed lines of credit, and commercial project financing.
Our Core Banking Services
Engineered for clarity, speed, and security. Explore our full spectrum of consumer, enterprise, and lending products tailored to every financial milestone.
Personal Accounts
Premier checking with $0 monthly maintenance fees, high-yield savings earning 4.85% APY, early direct deposit up to 2 days ahead, and fee-free ATM access nationwide.
Business Banking
Comprehensive corporate treasury management, automated ACH payroll processing, commercial checking, employee expense cards, and high-volume wire settlement.
Home Mortgages
Conventional, FHA, VA, and Jumbo loan programs with competitive fixed and adjustable interest rates, transparent closing fees, and rapid 15-day digital pre-approval.
Personal & Auto Loans
Flexible unsecured personal loans and auto refinancing with fixed low APRs, same-day approval decisions, customizable terms up to 84 months, and zero prepayment fees.
Open Your Account in 3 Easy Steps
No branch visits required. Our streamlined digital onboarding lets you open, verify, and fund your Metro Bank account in under three minutes from any device.
Fast Digital Verification
Complete our secure online identity verification with your basic info and government-issued ID. Instant automated approval with zero credit score impact.
Instant Multi-Source Funding
Link an existing US bank account via encrypted Plaid verification, transfer via debit card, or initiate a wire transfer with zero deposit fees.
Immediate Digital & Physical Access
Add your new Metro Bank card directly to Apple Pay or Google Wallet for immediate contactless purchases while your metallic physical card is dispatched.
Institutional Banking Security That Never Sleeps.
Metro Bank of America deploys multi-tiered defense architecture incorporating biometric verification, automated behavioral anomaly screening, and continuous zero-trust monitoring to guarantee the absolute integrity of your capital and sensitive financial data.
Biometric Multi-Factor Auth
Native FaceID, Touch ID, and hardware FIDO2 security token compatibility.
Real-Time Instant Alerts
Instant SMS and push alerts for all card transactions, wire originations, and logins.
Zero-Liability Warranty
100% protection guarantee against unauthorized electronic fund transfers.
Regulatory Certifications
FDIC Insured (#34981), SOC2 Type II, and PCI-DSS Level 1 audited.
Federal Security Shield Active
256-Bit GCM Active Tunnel Encryption
Frequently Asked Questions
Everything you need to know about our banking platform, account features, security protocols, and fee structures.
Have a specific question not listed here?
Our US-based support specialists and private wealth team are standing by 24 hours a day, 7 days a week.
Ready to Experience the Next Era of
Metro Bank of America?
Join over 1,000,000 individuals, families, and businesses nationwide who trust Metro Bank with their financial future. Open your personal or business account online in less than 3 minutes with zero minimum deposit.