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At Metropolitan Capital Bank & Trust, understanding the client differently means serving the client differently. We offer a variety of services tailored to meet the specific needs of our clientele and delivered to meet the high standards that our clients deserve.

Interest Bearing Checking Accounts:

All of Metropolitan Capital Bank & Trust's primary accounts earn interest, including checking accounts. With no minimum balance to open an account, you begin making interest on the first dollar you deposit. Together with your PCM, you can put together a program to most efficiently manage and grow your cash assets. Your PCM can establish balance triggers, designed to automatically "sweep" excess liquidity from your checking account to a money market account to an investment account, thus enabling the prospect of optimal growth.

Meanwhile, the Bank's Interest Bearing Checking Account offers all the daily conveniences that you have come to expect from your checking account, such as; consolidated information access, 24-hour online bill payment, reimbursement for 10 ATM transaction fees per month, participation in the Starsf surcharge free ATM withdrawal program, debit & ATM cards, rewards programs (visit for details on enrollment), and the ability to make deposits at any 5th 3rd branch location (see Service At The Speed Of Life for more information).

Money Market Accounts:

The liquidity of a Money Market Account makes it an ideal "savings account" for a professional with a busy lifestyle. As the backbone of the cash management program, a MMA serves as a "smart" account, offering a high rate of interest while still being liquid enough to fund unexpected financial opportunities, such as a down payment for a condominium or rental property. Holding a couple of months of daily expenses in a MMA can give you peace of mind and prepares you for the unexpected.

Certificates of Deposit (CD):

Metropolitan Capital Bank & Trust's Cash Management suite of offerings also includes certificates of deposit (CDs). While less liquid than a checking or money market account, a certificate of deposit can offer a higher interest rate. Depending on your specific financial goals, your Private Capital Manager (PCM) can provide you with several ways to effectively integrate CDs into your Capital Accumulation Plan. For example, if you are aware of a known expense in the near future, a CD can be a great savings vehicle, offering you a high interest rate while shielding you from the loss exposures or risk associated with other investments.

Automated Sweep Loan:

Metropolitan Capital Bank & Trust recognizes that when you have cash in your checking account you expect to earn interest. We also understand that when you do not have cash in your checking account you would like an easy and efficient means of replacement funding particularly as an alternative to paying overdraft fees. With this understanding in mind, the Bank's Automated Sweep Loan enables you to tie your Interest Bearing Checking Account to any Metropolitan Capital Bank & Trust revolving loan product, including a home equity line of credit. This allows your checking account balance to dip below zero, either as you intended, or as due to a temporary cash shortfall.

For more information on Metropolitan Capital Bank & Trust's Cash Management Services, please contact your Private Capital Manager. To obtain a PCM, please contact Richard Keneman, Principal Private Capital Manager, at 312.640.2350

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