Banking With Us

Personal & Business Accounts

Choose the Right Account for You

From everyday checking to premium rewards, Metro X Financials has an account that fits your life. Explore our full range below.

Savings Account

Make your money grow with competitive rates and no minimum balance requirements. Ideal for short-term goals and emergency funds.

  • Competitive interest rates
  • No monthly maintenance fee
  • FDIC insured up to $250,000
Learn More

Personal Checking

Flexible, rewarding everyday banking with free ATM access, mobile deposit, and no hidden fees to worry about.

  • Free nationwide ATM access
  • Mobile check deposit
  • Instant spend notifications
Learn More

Business Current Account

For businesses of all shapes and sizes. Streamline your cash flow with powerful tools built around your operations.

  • Multi-user access controls
  • Dedicated business banker
  • Integrated payroll support
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Premier Account

Earn cash rewards and extra cashback on everyday spending. Designed for customers who want premium banking with real benefits.

  • Cash rewards on purchases
  • Priority customer service line
  • Fee-free international transfers
Learn More
Our Commitment

Simple, Transparent Banking — The Way It Should Be

At Metro X Financials, we believe banking should be straightforward, fair, and built around you. That's why we've spent nearly a century stripping away the complexity that big banks use to confuse and overcharge their customers.

Every product we offer is designed with real people in mind. No gimmicks, no fine-print traps — just honest accounts with the features you actually need.

  • Free ATM Access — Use any ATM nationwide with no surcharge fees from us.
  • No Hidden Fees — What you see is what you get. We publish all our rates and fees clearly.
  • Digital Banking 24/7 — Bank from your phone, tablet, or desktop at any time of day or night.
  • Expert Local Advice — Every account comes with access to a real banker who knows your community.
Ready to Start?

Open Your Account in Under 5 Minutes

Applying online is quick, secure, and completely paperless. Have your ID and Social Security number ready and we'll take care of the rest.

  • No minimum opening deposit on most accounts
  • Debit card delivered within 5–7 business days
  • Instant access to online & mobile banking
Digital Banking

Online Banking Made Easy

Our digital banking platform gives you complete control of your finances — from checking your balance at midnight to scheduling bill payments on the go.

Check Balances Anytime

Your account balance, transaction history, and spending summaries are available instantly — any time of day, from any device. Stay in control of your finances 24/7.

  • Real-time balance updates
  • Downloadable statements
  • Spending category insights

Pay Bills Online

Set up one-time or recurring payments to any payee in the US — utilities, insurance, credit cards, and more. Never miss a due date again with automated scheduling.

  • Recurring payment scheduling
  • Payment confirmation alerts
  • Full payment history log

Transfer Funds Securely

Move money between your Metro X Financials accounts or send funds externally — all protected by industry-leading 256-bit encryption and multi-factor authentication.

  • Instant internal transfers
  • Secure external wire transfers
  • 256-bit SSL encryption
Get the Metro X Financials App
Available on iOS and Android. Bank smarter, bank faster.
FDIC Insured Member
$250K
Deposit Insurance Limit
256
-bit SSL Encryption
24/7
Fraud Monitoring
Your Financial Future Starts Here

Ready to Open Your Metro X Financials Account?

Join over 50,000 customers who already trust Metro X Financials for their everyday banking. Apply online in minutes — no branch visit required.

Member FDIC  |  Equal Housing Lender  |  NMLS #474376