Bank419 (formerly Metamora State Bank) is a community bank offering checking, savings, loans, and credit cards with a focus on personalized service across three Ohio locations.
Data compiled from public sources · Rating from CreditDoc methodology
Bank419 is a community-based bank that recently rebranded from Metamora State Bank to Bank419. The institution operates physical branches in Metamora, Sylvania, and Maumee, Ohio, and emphasizes face-to-face customer relationships and local community involvement. The bank has established leadership under President/CEO Kathleen L.
Fischer and maintains a team-based approach to customer service. Bank419 offers a comprehensive suite of personal and business banking products. Their checking account options include Kasasa Cash Checking (with APY up to a certain threshold on balances up to $10,000 with qualifications met) and Kasasa Cash Back Checking.
They provide savings accounts through Kasasa Saver, credit cards with rewards and cashback options, and a full range of loan products including home improvement loans, real estate loans, auto loans, home equity lines of credit, and College Ave student loans. The bank positions itself as offering "tailored" accounts and solutions for individual needs. Bank419 distinguishes itself through emphasis on personalized, face-to-face service and local community engagement.
Customer testimonials highlight the bank's willingness to work with small business owners seeking refinancing, treating customers as individuals rather than "numbers," and providing quick issue resolution. The bank actively participates in community events across its three service areas and maintains transparent leadership contact information on its website. Their recent rebrand suggests an attempt to modernize their image while maintaining their community bank identity.
As a regional community bank with only three physical locations, Bank419's primary limitation is geographic accessibility—customers outside the Metamora, Sylvania, and Maumee areas cannot access branch services. The website provides limited specific APY rates, product fees, and lending terms, requiring customers to contact the bank directly for detailed pricing. While customer testimonials are positive, the bank operates at significantly smaller scale than regional or national competitors, which may affect product depth, technology infrastructure, or competitive rates.
Bank419 offers 12 services including Kasasa Cash Checking with interest earnings and no minimum balance, Kasasa Cash Back Checking with cashback on purchases, Kasasa Saver accounts, Checking accounts (general tailored options), Savings accounts, and 7 more.
Bank419 is best suited for Small business owners in Ohio seeking personalized refinancing and lending relationships with local decision-makers, Customers in Metamora, Sylvania, and Maumee who prioritize face-to-face banking and community connection over digital convenience, Individuals with checking account balances under $10,000 seeking interest-bearing accounts with no minimum balance, Consumers qualifying for Kasasa products who want to earn cash rewards on everyday banking and purchases.
Key strengths: Kasasa Cash Checking offers interest-bearing checking with no minimum balance requirements; Face-to-face meeting availability with loan officers and leadership team emphasized in testimonials; Multiple loan products available including home improvement, real estate, auto, and student loans. Areas to consider: Limited geographic footprint restricted to three Ohio locations (Metamora, Sylvania, Maumee) with no online-only or remote alternatives mentioned; Website lacks specific APY rates, monthly fees, minimum deposit requirements, and loan terms—requires contacting bank directly for pricing.
In the Banks category, comparable providers include 1st National Bank, Belmont Savings Bank, Buckeye Community Bank. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
Bank419 is best for individuals and small businesses in northwest Ohio seeking personalized, community-focused banking with face-to-face relationships rather than digital-first convenience. The primary caveat is severe geographic limitation to three Ohio locations and lack of transparent pricing information online, requiring direct customer contact for specific terms and rates.
1st National Bank is a community bank based in Ohio offering checking, savings, credit cards, mortgages, and auto loans with local branch presence and online banking services.
Best for: Ohio residents seeking community banking with local branch relationships, First-time homebuyers interested in down payment assistance and specialized savings products
Community bank with 140 years of history serving the Ohio Valley, offering personal and business banking, loans, mortgages, and digital services.
Best for: First responders (police, firefighters, EMTs, nurses) seeking mortgages with favorable terms and no PMI, Ohio Valley residents seeking community banking with local decision-making and personal relationships
FDIC-insured community bank serving Lorain County, Ohio with personal and business banking, mortgages, loans, and credit cards through multiple local branches.
Best for: Small to mid-sized businesses in manufacturing and agriculture sectors in Lorain County seeking relationship banking, Local individuals and families seeking traditional community bank services with in-person branch access
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