Capital Accumulation Plan (CAP)

At Metropolitan Capital Bank (MetCap), the Capital Accumulation Plan (CAP) is the platform to achieving your financial goals. Whether it is buying a dream home, or a trip around the world, we understand your aspirations will involve planning and we are both eager and able to help. At MetCap, a CAP is the foundation for delivering integrated cash management, investment management, lending, tax & accounting consultation, and risk management grounded in the fundamentals of financial planning. Your Private Capital Manager (PCM) will work with you to update your CAP throughout your life as a MetCap customer.

An effective and automated cash management program forms the backbone of the CAP. MetCap offers a cash management solution that enables you to save money in an automated manner much like the automatic debits from your salary in a 401(k) plan. The elements of this custom-tailored cash management program are an interest bearing checking account as a transaction account, (e.g. payroll direct deposit, debit & ATM card transactions, paying bills), a money market account for surplus cash for intermediate term (6-12 months), and an investment account for assets that can remain outstanding for longer term(greater than 1 year). MetCap can set automatic triggers so that a pre-defined amount of money will be transferred from the interest bearing checking account into a higher yielding money market account on a regular basis. Once the funds in the money market account surpass an amount that you set, money is then swept into an investment account that is managed by a professional money manager. Establishing an automated cash management program is an effective way to build capital.

With your financial core established through an automated cash management program, your CAP can then incorporate additional professional services through MetCap's partners. By drawing on leading financial institutions in the areas of investments, insurance, and tax & accounting, MetCap and your PCM can deliver each of the elements necessary for your Capital Accumulation Plan.

For more information, please contact your Private Capital Manager. To obtain a PCM, please contact Richard Keneman, Principal Private Capital Manager, at 312.640.2350