Metro Bank Phone: 888.937.0004

Cash Reserve Application

Welcome to Metro Bank's on-line Cash Reserve Application. Our primary lending area is Pennsylvania.

We appreciate your business and will process your application as quickly as possible. Please provide us with the information requested below and we will contact you within 24 hours.


All fields highlighted in this color are optional.
Cash Reserve to be attached to
Check Account Number:

Amount Requested:
Applicant Information
We intend to apply for joint credit: Yes No
Borrower - Co-Borrower -
Complete Column 1 Complete Column 2
E-Mail Address: (name@domain.type)
E-Mail Address: (name@domain.type)
First Name:
MI:
First Name:
MI:
Last Name:
Last Name:
Current Address:
Current Address:
City:
State:
Zip Code:
City:
State:
Zip Code:
Social Security Number: (nnn-nn-nnnn)
Social Security Number: (nnn-nn-nnnn)
Date of Birth: (mm/dd/yyyy)
Date of Birth: (mm/dd/yyyy)
Evening Number: (nnn-nnn-nnnn)
Evening Number: (nnn-nnn-nnnn)
Housing Status: Housing Status:
Own Rent Own Rent
Living with Relative Living with Relative
Other Other
Years There:
Years There:
Monthly Mortgage Payment/Rent:
Monthly Mortgage Payment/Rent:
Real Estate Taxes(Annual):
Real Estate Taxes(Annual):

Employment Information
Borrower - Co-Borrower -
Complete Column 1 Complete Column 2
Self Employed: Yes No Self Employed: Yes No
Place of Employment:
Place of Employment:
Employer's Address:
Employer Address:
City:
State:
Zip Code:
City:
State:
Zip Code:
Position:
Position:
Length of time with this employer:
Length of time with this employer:
Daytime Number (999-999-9999):
Daytime Number (999-999-9999):

Financial Information: The following should reflect the financial status of both the applicant and co-applicant.
Please Note: Alimony, child support, or separate maintenance income need not be revealed if you do not wish it to be considered as a basis for repaying this obligation.
Borrower - Co-Borrower -
Complete Column 1 Complete Column 2
Your Gross Income:
Your Gross Income:
Weekly Bi-weekly Monthly Weekly Bi-weekly Monthly

Other Annual Gross Income
Amount:
Source:
Amount:
Source:

Other Loans and Liabilities
Payee 1:
Payee 1:
Balance:
Monthly Payment:
Balance:
Monthly Payment:
Payee 2:
Payee 2:
Balance:
Monthly Payment:
Balance:
Monthly Payment:
Payee 3:
Payee 3:
Balance:
Monthly Payment:
Balance:
Monthly Payment:
Payee 4:
Payee 4:
Balance:
Monthly Payment:
Balance:
Monthly Payment:
Payee 5:
Payee 5:
Balance:
Monthly Payment:
Balance:
Monthly Payment:
Have you had any judgments, bankruptcies or other legal proceeding against you?
Yes No
Are you liable as a co-maker, endorser, or guarantor for anyone or any business, corporation, partnership, etc.?
Yes No
Liability Explantion:
 

IMPORTANT INFORMATION ABOUT THE CASH RESERVE CREDIT LINE
FINANCE
CHARGE
A daily FINANCE CHARGE will be imposed on all cash advances made under your Credit Line from the date of each cash advance based on the "average-daily-balance" method. Under this method, we first take each day's beginning balance, add to it any new advances and subtract any payments or credits and any unpaid FINANCE CHARGES. This gives us the daily balance. Then, we add all of the daily balances for a billing cycle and divide the total by the number of days in the billing cycle for the Credit Line. This gives us the "average daily balance."
 
ANNUAL PERCENTAGE RATE (APR) DAILY PERIODIC RATE FEES FOR PAYING LATE
12.99% 0.03559% 15 days late fee 5% of payment or $5 whichever is greater.

BILLING ERROR RIGHTS - YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE: This notice contains important information about your rights and our responsibilities under the Fair Credit Billing act.
Notify us in case of errors or questions about your bill. If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at, 3801 Paxton Street, Harrisburg, PA 17111 or at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than sixty (60) days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter give us the following information: your name, account number and the dollar amount of the suspected error, describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occur.

Your rights and our responsibilities after we receive your written notice. We must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. Within ninety (90) days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your Credit Limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date on which it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

Each Applicant signing below ("I") is applying to Metro Bank ("Bank") for a CASH RESERVE CREDIT LINE ("Account") as indicated above. I authorize Bank to make the credit inquiries considered necessary for processing my application and for any review or collection of my Cash Reserve Credit Line(s) ("Account"). I also authorize any person or consumer-reporting agency to compile information to answer the credit inquiries and to furnish the information to Bank. Use of the Cash Reserve indicates that I agree to be legally bound by the terms of the Agreement. I expressly agree to the Account privileges made available to me. I agree this application is by each Applicant who has signed below, and if approved, the Account will be established in both names. I agree that the terms stated in this application apply to each Applicant and that all Applicants will be jointly and individually liable for all amounts due on the Account at any time. I/We understand that if this application is approved, I/We grant the Bank a security interest in any deposit accounts or funds which are held by the Bank in an amount that is up to the Credit Limit approved by the Bank for my/our Cash Reserve Credit Line.

I/We have reviewed and accept the terms of the Cash Reserve Agreement

Insurance: I understand that I do not have to take out credit life insurance in order to obtain credit advances. If I qualify for credit life insurance and I do take it out, I will be required to pay the cost of it. The insurance will cover only the person(s) who signs below in this "insurance" section. Insurance coverage terminates at age 66.
Check if applicable:
I want single credit life insurance. The cost is $0.07050 per month per $100.00.
I want joint credit life insurance. The cost is $0.12340 per month per $100.00.
Other Notes or Comments

Your application can be mailed, faxed or e-mailed to Metro Bank.
1) For faster service and to eliminate the need for a signing visit, click here to format for printing so that you can fax or mail us your signed Application.
2) If you choose to e-mail us your Application, Government regulations
also require you to schedule a signing visit with us by calling
1-800-937-2003.
Click here to email this Application.
To erase the information you keyed into this Form:

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Metro Bank is a wholly owned subsidiary of Metro Bancorp, Inc. and is not affiliated with Metro Bank plc, Great Britain