Personal Checking Accounts

Our personal checking accounts offer convenience, security, and personalized service, delivered by a dedicated Relationship Manager who acts as your single point of contact

HomePersonalChecking
Close-up of a pen poised above a blank check. The check features a dollar sign and a security padlock symbol, indicating a secure document. The background shows a textured pattern typical of check paper.

Comprehensive Checking Solutions

From everyday banking to managing significant deposits, Metropolitan Commercial Bank (MCB) offers a variety of personal checking accounts designed to meet the unique needs of clients like you.

Explore MCB’s Personal Checking Options

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Personal Checking Account

Start your MCB relationship with a personal checking account.

  • Low minimum balance requirement of $250
  • Easy setup and maintenance
  • 24/7 account management with online and mobile banking
Open an Account
A smiling couple sits at a table, discussing paperwork. The woman, in a yellow shirt, holds a pen and notebook, while the man, in an orange shirt, holds documents. A laptop and scattered papers are on the table, suggesting a home office setting.

Basic Checking

Perfect for individuals who write only a few checks and maintain small balances.

  • A flat monthly fee of $3
  • 12 free withdrawals each month at no additional charge
  • 24/7 account management with online and mobile banking
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Personal NOW Checking

Earn interest on your checking balances with a low minimum balance.

  • Low minimum balance requirement
  • Earn interest without the restrictions that apply to other interest-bearing accounts
  • 24/7 account management with online and mobile banking
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Ultra Insured Personal Checking Account

Provides unparalleled security and liquidity with extensive FDIC insurance coverage.

  • Up to $50 million in FDIC insurance
  • Unlimited monthly transactions
  • Ideal for individual and joint account ownership
  • 24/7 account management with online and mobile banking
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Why Choose MCB

Relationship-driven Approach

We prioritize building strong relationships with our clients. Our Relationship Managers take the time to understand your unique needs and provide solutions that align with your short- and long-term financial goals.

Innovation and Technology

We offer leading-edge banking solutions that enhance your financial management capabilities. Our online and mobile platforms are user-friendly and packed with features to make banking easier.

Comprehensive financial solutions

MCB doesn’t just offer an array of personal banking options. We also provide complete commercial lending and business banking solutions. Manage all your financial needs seamlessly in one place with a team that understands and supports your complete financial well-being.

Commitment to Your Success

We’re here to help your business thrive. We provide tools, resources, and expert advice from a team of trusted financial professionals – ensuring your success now and into the future.

Online Banking

Manage your personal accounts anytime, anywhere with online and mobile banking from Metropolitan Commercial Bank. It’s secure, convenient, and easy to use.

24/7 Access

Secure and convenient access to your accounts 24/7 from any device.

Real-Time Monitoring

Protect your business with fraud alerts and real-time transaction monitoring.

Customizable Permissions

Ensure secure access to accounts across your team with customizable user permissions.

Enhance Efficiency

Our tools can streamline operations and enhance efficiencies within your accounting processes.

A blue Metropolitan Commercial Bank Visa debit card featuring a gold chip, wifi symbol, and expiration date of 12/27. The card is branded with

Manage your personal accounts anytime, anywhere with online and mobile banking from Metropolitan Commercial Bank. It’s secure, convenient, and easy to use.

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What Our Clients Are Saying

  • “Metropolitan Commercial Bank has been a great partner for Integrated Vehicle Leasing Inc. They are very understanding of our needs and have always worked to support and grow our business. I am proud to be a customer of MCB and look forward to working with them for many years ahead!”

    C Haburay Integrated Vehicle Leasing, MCB client since 2019

  • “We have been banking with MCB for the past decade, and our experience has been outstanding. The team has been incredibly supportive of and attentive to our needs from the beginning. Their comprehensive suite of banking services has significantly contributed to the growth and success of our business.”

    Edward F

  • “MCB’s team is amiable and responsive, ensuring our needs are met. Compared to other lenders who overcomplicate the details, MCB simplifies the process, making it easier to navigate. We truly value our relationship with them, viewing it more as a partnership. They are the first name on the list when others in our industry ask.”

    Akiva S President, General Counsel

  • “The Commercial & Industrial (C&I) professionals at MCB are a pleasure to deal with. They are a bright, responsive group that took the time to learn about our business and help us grow. They understand how to solve complex issues and bring creative solutions to the table.”

    Joseph G MCB client Since 2017

  • “MCB has been a tremendous partner in helping us build our healthcare business. They are very knowledgeable in the commercial space and work with borrowers in every aspect of lending and banking. MCB responds promptly to underwriting needs and can close deals quickly – their word is gold.”

    Thomas V Chief Investment/Financing Officer, Marx Development Group

  • “Metropolitan Commercial Bank has been a great partner for Integrated Vehicle Leasing Inc. They are very understanding of our needs and have always worked to support and grow our business. I am proud to be a customer of MCB and look forward to working with them for many years ahead!”

    C Haburay Integrated Vehicle Leasing, MCB client since 2019

  • “We have been banking with MCB for the past decade, and our experience has been outstanding. The team has been incredibly supportive of and attentive to our needs from the beginning. Their comprehensive suite of banking services has significantly contributed to the growth and success of our business.”

    Edward F

  • “MCB’s team is amiable and responsive, ensuring our needs are met. Compared to other lenders who overcomplicate the details, MCB simplifies the process, making it easier to navigate. We truly value our relationship with them, viewing it more as a partnership. They are the first name on the list when others in our industry ask.”

    Akiva S President, General Counsel

  • “The Commercial & Industrial (C&I) professionals at MCB are a pleasure to deal with. They are a bright, responsive group that took the time to learn about our business and help us grow. They understand how to solve complex issues and bring creative solutions to the table.”

    Joseph G MCB client Since 2017
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Get in Touch

99 Park Ave, 12th Floor
New York, NY 10016

212 659-0600

Protecting your privacy is a Metropolitan Commercial Bank priority. We will never ask you for your PIN, social security number, username, password, account number, or other personal information in email or text messages.