Your New Digital Banking Platform

Coming soon! Make the most of your new and improved digital banking destination. Important steps below

HomeDigital Banking Transition

An Upgraded Digital Experience

We are excited to welcome you to a new digital banking experience for your personal accounts. On Monday, October 7, 2024, our new platform, Metropolitan Commercial Bank Digital Banking, will replace your current Personal Online Banking service, delivering a smoother, more secure way to manage your accounts.

If you are currently enrolled in Personal Online Banking, most of your user data will be transferred to the new platform, but there are a few steps for you to complete to ensure a seamless transition. Please review the important details below and contact your MCB Relationship Manager with any questions.

Powerful New Features

Your new Digital Banking platform has been thoughtfully designed to optimize your personal banking experience. In this first phase, expect an improved, more intuitive layout featuring:

Live Chat

A live online chat feature connects you with a bank representative, weekdays from 10:00 AM to 3:00 PM, including a screen sharing option.

Online Account Opening

Conveniently open new personal deposit accounts online, from your computer or through the mobile banking app.

Advanced Security

Industry-leading tools to ensure your personal and financial information is always protected.

More coming soon

Later this year, look forward to new features such as budgeting tools, external transfer capabilities, and more.

This platform launch is a key milestone in our ongoing Modern Banking in Motion initiative, aimed at delivering more innovative solutions and enriching your banking relationship with us. Learn more about Modern Banking in Motion

What to Know About Getting Started

Key Dates

  • Friday, October 4
    Bill Pay and Zelle® will no longer be available in Personal Online Banking as of 6:00 PM, but access to account information, mobile deposits and transfers will remain. Zelle® payments that have been sent but not claimed will be canceled.
  • Monday, October 7
    Begin using the new Digital Banking platform at 9:00 AM.
  • Friday, November 1
    Last day to download transaction and statement history before 5:00 PM from the current Personal Online Banking system.

How to Prepare

Before Friday, October 4, at 6:00 PM:

  • Confirm or update your email and mobile number on file so you can receive a one-time passcode when it’s time to enroll in the new system.
  • Complete any Bill Pay and Zelle® transactions before they become unavailable on the current system.
  • Download and save any Zelle® information you wish to retain, as it will not transfer to the new system. Pending payments scheduled for October 5 and beyond will not transfer.
  • Make note of any eBills you have established with merchants. The information will transfer; however, you may wish to download and save it so you can confirm it transferred correctly.

First-Time Login Instructions

  • Beginning at 9:00 AM on Monday, October 7, select Digital Banking from the login drop-down menu on mcbankny.com or download the new mobile app.
  • Follow the prompts to create a new username.
  • Create a permanent password per the criteria provided on screen.
  • A one-time passcode will be sent via email or text to the contact information on file with the bank—be sure it’s up to date.
  • Reestablish the services listed in the next box and enjoy your new platform!

Things to Set Up

Starting Monday, October 7 at 9:00 AM, reestablish the following in the new system:

  • Resubscribe to Bill Pay through Digital Banking or Mobile Banking. Once reenrolled in Bill Pay, all payee information, scheduled and recurring payments, and transaction history will be transferred, including eBills.
  • E-Statement preferences. You will be prompted upon initial login.
  • Zelle® enrollment through Bill Pay, including payees and payments scheduled for October 5 and beyond.
  • Any future-dated and recurring internal transfers.
  • Account nicknames.

Mobile Banking

Starting October 7, download the Metropolitan Commercial Bank Digital Banking app for convenient access to your accounts on the go!

  • Deposit checks with your phone.
  • Pay bills and set up recurring payments.
  • Manage your finances from anywhere.

To download the new Digital Banking app, check back here using your mobile device starting October 7!

Upcoming Enhancements

Look forward to even more enhancements coming soon to further elevate your online banking experience.

Expanded Digital Tools

New budgeting tools to manage all your accounts, including those not at MCB, in one place. Coming in late 2024.

External Transfers

Link your Metropolitan Commercial Bank account to other financial institutions for easy transfers. Coming in late 2024.

New Commercial Platform

Our new Commercial Digital Banking service will simplify your finances with a single login for personal and commercial accounts. Coming in 2025.

Frequently Asked Questions

Why is the online banking system changing?

Metropolitan Commercial Bank is launching a major technology enhancement initiative to deliver more innovative services to meet more of your financial needs. The significant upgrade of our digital banking services is one of the first steps we are taking that will greatly improve your online banking experience.

What is the Modern Banking in Motion initiative?

Driven by our enduring commitment to banking excellence and innovation, we are proud to launch a comprehensive technology enhancement initiative that will enhance your banking experience with us. In the coming months, you can look forward to new digital tools and best-in-class security features that will make us a more agile and effective partner to support your success. Learn more about Modern Banking in Motion.

When will the new digital banking system be available?

The new and improved personal “Digital Banking” will be available starting at 9:00 AM on Monday, October 7, 2024.

Can I use my existing Username and Password to log in?

When you log in to the new Digital Banking platform at mcbankny.com or on our new mobile app, you will be prompted to set up a new Username and Password.

Logging in using biometrics such as Face ID is available in the new mobile app.

When will the current online banking system be discontinued?

The current Personal Online Banking service will continue with limited functions until November 1, 2024, giving you time to download and save any historical information you may wish to retain. Bill Pay and Zelle® will not be available after October 4, but your account information, mobile deposits, and internal transfers will be accessible through November 1.

Prior to Friday, November 1, we recommend you do the following:

  • Select “Personal Online” from the login dropdown box on mcbankny.com or on our current mobile app, and log in using your current Username and Password credentials.
  • Download and save transaction history older than July 2, 2024, as well as older online statements (18 months will transfer).

Will I need to do anything before the bank changes to the new system?

Yes. Prior to Friday, October 4, we suggest you take the following steps:

  • Confirm or update your email address and mobile phone number in person at a branch, through your MCB Relationship Manager, or by calling the Contact Center at 800.852.7632. This information will be needed to receive a one-time passcode during enrollment in the new system.
  • Download and save any transaction history you would like to retain (only three months will transfer).
  • Download and save any Zelle® information you want to save (no Zelle® information will transfer).

Will everything in the current Personal Online Banking system transfer automatically?

Most key information will transfer automatically on October 7: 18 months of online statements and three months of transaction history. Bill Pay payees and history and pending bill payments will transfer automatically upon reenrollment in Bill Pay. EBills will also transfer.

Will my Bill Pay service transfer?

Yes, but first you will need to resubscribe to Bill Pay and accept the new terms and conditions. Once enrolled, all your information will be transferred to the new system, including all your payee information and bill pay transaction history.
Payments scheduled for October 5 and 6 will need to be rescheduled. Any bill payments you have scheduled for October 7 and beyond will be processed as usual, including recurring and one-time payments.

Will I still be able to send and receive money with Zelle® ?

Yes. The new system will offer Zelle® but none of your existing information will be transferred. Zelle® service on the current system ends at 6:00 PM on Friday, October 4 and no transactions scheduled for after that time will be processed.
In addition, any payments that have been sent but not claimed by the recipient by October 4 will be canceled and will need to be reestablished. Starting October 7, you can reenroll in Zelle® and begin using the service.

Will my transaction and statement history transfer to the new system?

Yes. Initially, up to 90 days of deposit account transaction history and all 18 months of statements will be transferred to Digital Banking.

I am currently enrolled in E-Statements. Will I need to reenroll?

Yes. You will be prompted at initial login to reset your statement delivery preferences.