Merchants Bank, N.A.

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Your dream house. Our support.


As your financial partner, our mortgage team is committed to making your dreams a reality.

Let's work together

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Is it time to refinance your mortgage?

With the recent low rates, now might be a great time to see some savings on your mortgage payment. Watch and see how we breakdown two common examples of mortgage refinancing and the potential savings.

View today's low rates

Calculate potential savings

At a Glance

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Plan for Your Future

Work with our experts to create a comprehensive financial plan that fits your future. It starts with a simple conversation about your goals. Explore our options

Naturally Unbridled Wellness, Owner Patti Bartsch

Service Your Business Deserves

"It's been phenomenal to work with Merchants Bank. Our business gets an excellent level of support and customer service - and fast. As my business has grown, Merchants has been with me every step of the way," says Patti Bartsch, owner of Naturally Unbridled Wellness in Onalaska, WI. How We Help

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Scams & Fraud: What You Need to Know

Stay up-to-date on common scams and fraud alerts to help protect you, your family or your business. Here's what you need to know

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Your first home. Our expertise.

Finding a home that’s uniquely you is important. We’ll work with you from start to finish to be sure you’re at ease with every step of the process. Let’s start with pre-approval.

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Free Checking That's Still Free

We mean it, with a free Debit Card, Online Banking, eStatements, and fee-free cash at our ATMs. View accounts

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Committed to Community

Merchants Bank is a community bank committed to creating thriving communities by supporting your hopes and dreams. We’re ready to serve you with locations in: Apple Valley, MN; Caledonia, MN; Cannon Falls, MN; Cottage Grove, MN; Eau Claire, WI; Hampton, MN; Hastings, MN; La Crescent, MN; Lakeville, MN; Lanesboro, MN; Northfield, MN; Onalaska, WI; Red Wing, MN; Rochester, MN; Rosemount, MN; Rushford, MN; Spring Grove, MN; St. Charles, MN; Winona, MN. Find your local branch