US Metro Bank offers a range of business services, including business checking and cash management. The bank provides certificates of deposit, debit and credit cards and individual retirement accounts. It promotes expedited credit processing and financing for purchasing business equipment and inventory and carrying current assets and working capital. US Metro Bank offers direct deposit payroll, telephone and Internet banking, night deposit and merchant bank card services. It specializes in providing a variety of personal loans, including home equity, automobile, term and lines of credit, as well as offers small business administration loans. The bank provides value money market accounts and offers installment savings and analyzed services. US Metro Bank was incorporated as a state-banking corporation in 2006.