Tap on the profile icon to edit
your financial details.
Advertiser Disclosure

Metro City Bank Review

Your Details Done
by Updated
Metro City Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Metro City Bank first started operating in 2006 and has its headquarters in Doraville, Georgia. Metro City Bank manages assets of $1 billion as well as deposits totaling $1 billion, making it a medium-size bank. Metro City Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. At a SmartAsset rating of 3.6 out of 5 stars, Metro City Bank should be near the middle of the pack in your search for a bank. Metro City Bank offers a varied selection of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. It has a fair savings rate compared to the average savings account. The bank's standard checking account carries a monthly fee of $7.50, making it a rather pricey bank for checking. Obtaining a checking account with no monthly fee, in addition to a savings account with a high interest rate at the same institution is the best bet for gaining the most income from your deposits alongside easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Metro City Bank has a savings rate of 0.10%, which is poor compared to the average U.S. bank. Metro City Bank's one-year and five-year term lengths CDs earn at a rate of 0.84% and 1.24%, respectively, while its highest-yielding money market account earns at a rate of 0.30%. Given its poor savings rate, you should think about choosing another bank to earn more on your deposits.

How Metro City Bank's Savings Rates Compare

Metro City Bank Savings 0.10 National Average 0.26 Compare Offers
Back to Overview


SmartAsset Average: 4.4

Metro City Bank typically has high fees in comparison to the national average. At $7.50 per month, Metro City Bank's checking account is less than the best option for people who want a hassle-free checking account. Metro City Bank unfortunately does not refund out-of-network ATM charges, which means you'll be required to search for a Metro City Bank ATM or pay the fee.

Monthly Fee $7.50 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
Back to Overview

Service Quality

SmartAsset Average: 3.7

Metro City Bank is a brick-and-mortar bank, with 16 total bank locations in Alabama, Georgia, New Jersey, New York, Texas and Virginia. With mobile and web apps, Metro City Bank makes mobile banking straightforward, even on the go. Metro City Bank's online and mobile banking platforms get positive feedback from customers. The Metro City Bank mobile app is rated at 4.5 out of 5 (out of 15 customer reviews on Apple and Android) compared to the national average of 3.8. Metro City Bank's mobile app allows you to control your accounts by reviewing current statements, transferring money and accessing customer service. Metro City Bank gets an exceptional consumer satisfaction rating due to comparatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.5/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
Back to Overview

Financial Health

SmartAsset Average: 4.8

Metro City Bank is a medium-size bank and manages assets totaling $1 billion as well as $1 billion in deposits. Its Texas Ratio is 3.60%, suggesting that the bank is in outstanding financial condition and unlikely to fail. Additionally, Metro City Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare Metro City Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $250
Checking Account 0.1% APY $500
Certificates of Deposit
  • 12 Month: 0.84% APY
  • 24 Month: 0.82% APY
  • 36 Month: 0.94% APY
  • 48 Month: 1.04% APY
  • 60 Month: 1.24% APY
$1000 for all terms
Money Market Account 0.1% APY $7500

Metro City Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Metro City Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Metro City Bank's CD rates are fair in comparison to the average U.S. bank.

Back to Overview

Find a Metro City Bank Near Me

Metro City Bank has 16 locations across the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure