First Metro Online

Metro V. I. Free Checking

$25 deposit required to open
No minimum balance
No monthly service charge
Unlimited check writing
Free ATM or Check card
Free Online Banking with Online Bill Payment
Free telephone banking (M.A.T.T Metro's Automated Telephone Teller) 383-MATT (6288)
Free Direct Deposit
Free first order of wallet checks
Overdraft Privilege^SM Limit
(Restrictions apply‡)
Monthly snapshot statement

Metro Priority Checking

$100 deposit required to open
No minimum balance
$7 minimum monthly service charge
($7, $8, or $9 monthly service charge depending on selected insurance coverage)
Unlimited Check Writing
Free ATM or Check card
Free Online Banking with Online Bill Payment
Free telephone banking (M.A.T.T. Metro's Automated Telephone Teller) 383-MATT (6288)
Free Direct Deposit
Free wallet checks
Free notary service
20% discount on safe deposit boxes
Overdraft Privilege^SM Limit
(Restrictions apply‡)
No service charge for Travelers™ checks
No service charge for official checks
Initial personal loan fee waived (Up to $75)*
Monthly image statement
Discount travel services and account "perks" (inclusions:800-251-2311)

* Subject to credit approval.

Metro Milestone Student Checking^*

$25 deposit required to open
No minimum balance
No monthly service charge
Unlimited check writing
Free ATM or Check card
Rebate First Metro fees for use of ATM machines other than First Metro Bank (upon customer request)
Free Online Banking with Online Bill Payment
Free telephone banking (M.A.T.T Metro's Automated Telephone Teller) 383-MATT (6288)
Free Direct Deposit
Free first order of wallet checks
Overdraft Privilege^SM Limit
(Restrictions apply‡)
Monthly image statement

*Restrictions: Joint ownership is required with parent or guardian through age 18. Customers 18 years of age who are married or widowed qualify for individual ownership. The Metro Milestone account converts to a V.I. Free account at age 24.

Metro Money Market Account

$1,000 deposit required to open
$8 service charge - may be avoided by maintaining a $1,000 minimum balance*
Limit six (6) transactions per calendar month**
Free Online Banking with Online Bill Payment
Monthly image statement
Interest will be accrued daily, credited monthly and paid on the collected balance***
Tiered interest rate structure (You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.)

*Daily Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principle in the account each day.
**Transaction Limitations: Transfers from a Metro Money Market account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per calendar month with no more than three by check, draft, debit card, or similar order to third parties.
***Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
Interest rate and annual percentage yield may change at any time.

Metro Investment Account

$1,000 deposit required to open
$12.00 service charge - may be avoided by maintaining a $1,000 minimum daily balance*
Unlimited transactions
Free Online Banking and Online Bill Payment
Monthly image statements
Tiered interest rate structure (You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.)
Interest will be accrued daily, credited monthly and paid on the collected balance**

*Daily Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principle in the account each day.
**Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
Interest rate and annual percentage yield may change at any time.

Metro Personal Savings Account

$100 deposit required to open
No minimum balance required
Limit six (6) transactions per calendar month*
Free Online Banking and Online Bill Payment
Statements mailed quarterly
Interest accrued daily, credited quarterly and paid on the collected balance**

*Transaction Limitations: Transfers from a Metro Personal Savings account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per calendar month. Three of the allowable six by third party transaction in one calendar month. Three of the allowable six by preauthorized transfers in one calendar month.
A transaction fee of $2.00 will be charged for each withdrawal in excess of six during a calendar month.
**Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
Interest rate and annual percentage yield may change at any time.

Metro Junior Savers Account

No minimum deposit to open
No minimum balance required
No monthly service charge
Limit six (6) transactions per calendar month*
Free Online Banking and Online Bill Payment
Statements mailed quarterly
Interest accrued daily, credited quarterly and paid on the collected balance**

*Transaction Limitations: Transfers from a Metro Junior Savers account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per calendar month. Three of the allowable six by third party transaction in one calendar month. Three of the allowable six by preauthorized transfers in one calendar month.
Joint ownership is required with parent or guardian through age 18. Customers 18 years of age who are married or widowed qualify for individual ownership. The Metro Junior Savers account converts to a Metro Personal Savings account at age 19.
A transaction fee of $2.00 will be charged for each withdrawal in excess of six during a calendar month.
**Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
Interest rate and annual percentage yield may change at any time.

Metro Christmas Club Account

$1 minimum deposit required to open
Penalty may be imposed for withdrawals made before maturity*
Unlimited deposits
Interest will be compounded and credited to your account annually**
Funds disbursed October 31^st or closest business day

*Transaction Limitations: You may make unlimited deposits into your account. There are no limitations on the frequency or timing of additional deposits, except that no additions can be made in the last seven days before maturity. If any withdrawal is made from this account before October 31, then this account may be closed. Check for principle plus interest is mailed to the customer on November 5. You may not make withdrawals of principle from your account before maturity. You cannot withdraw interest from your account before maturity.
Early Withdrawal Penalties: The penalty we may impose is the greater of:

Seven days interest, on the amount withdrawn subject to penalty, if the withdrawal is made within the first six days after the deposit
All interest on the amount withdrawn subject to penalty

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.
**Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

Metro May Day Pay Day

$25 minimum deposit required to open
Penalty may be imposed for withdrawals made before maturity*
Unlimited deposits
Interest will be compounded and credited to your account annually**
Funds disbursed May 1^st or closest business day

*Transaction Limitations: You may make unlimited deposits into your account. There are no limitations on the frequency or timing of additional deposits, except that no additions can be made in the last seven days before maturity. If any withdrawal is made from this account before May 1, then this account may be closed. Check for principle plus interest is mailed to the customer on May 5. You may not make withdrawals of principle from your account before maturity. You cannot withdraw interest from your account before maturity.
Early Withdrawal Penalties: The penalty we may impose is the greater of:

Seven days interest, on the amount withdrawn subject to penalty, if the withdrawal is made within the first six days after the deposit
All interest on the amount withdrawn subject to penalty

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
For any time deposit which earns an interest rate that may vary from time to time during the term, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal.
**Accrual of Interest on Non-Cash Deposits: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
This account will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity.

Loans

First Metro offers a variety of consumer loans. Each loan is tailored to meet the individual needs of the consumer, whether it be a new home, car or dream vacation! Please call or visit any First Metro location for additional assistance with your specific financial needs.

Check Cards

MasterCard check cards are offered with each personal checking account. Check cards can be used at any ATM machine for cash disbursement or for any point-of-sale purchase. No more check writing and waiting for approval, just swipe your card and go.

Credit Cards

Any customer may apply for a credit card via online banking or by visiting any branch location. First Metro Bank offers MasterCard, Visa Classic or Visa Gold credit cards, depending on credit limit and approval. Each cardholder will earn Score Card points for each dollar charged on their account. These points may be redeemed for gifts and travel perks.

M.A.T.T.

M.A.T.T. (Metro's Automated Telephone Teller) gives you account access anytime - day or night. All your primary account information is available 24 hours a day, 7 days a week - simply by dialing 383-MATT (6288). You can review checking, savings, loans, and certificates of deposit.

Safe Deposit Boxes

Safe deposit boxes are available to all customers at any branch location. Sizes range from 3X5 to 10X10, depending on individual needs.

‡ Overdraft Privilege^SM Limit Notice

The fee or fees for the payment of each overdraft?
Our normal fees and charges including, without limitation, are non-sufficient funds (NSF) or overdraft (OD) fees; currently $30 per non-sufficient funds or overdraft item, as set forth in our fee schedule, will be charged for EACH transaction initiated for payment from your checking account that does not have sufficient collected funds. We will charge our normal NSF/OD fee whether we approve an overdraft item for payment or return it unpaid.
The categories of transactions for which a fee for paying an overdraft may be imposed?
The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means.
The time period by which the consumer must repay or cover any overdraft?
We reserve the right to require you to pay your outstanding overdraft (negative) balance, including our fees, immediately or on demand.
The circumstances under which the institution will not pay an overdraft?
We may refuse to pay an overdraft at any time, even though your account is in good standing and even though we may have previously paid overdrafts to you. We have no obligation to notify you before we pay or return any item.

* Overdraft Privilege is a service mark of Strunk and Associates.