Online & Mobile Banking

Banking made even more convenient with Merchants Bank Personal Online & Mobile Banking services. Securely login and access your account information 24/7, get credit alerts, make mobile deposits, pay bills and more. 

Online & Mobile Banking Features

  • See account balances at a glance on mobile with Fast Balances
  • Submit notices of upcoming travel electronically to ensure your debit card(s) still work beyond the
    tri-state area
  • Export transaction history to Money, Quicken or Quickbooks financial management software
  • View deposit images
  • Access to your Merchants credit card account
  • View your credit score, credit report and recent inquiries
  • Deposit up to $8,000 through mobile deposit per business day
  • Order checks from the Account Summary screen

Get Started With Mobile Banking

  1. Register online or through the mobile app
    Download on the App Store Get it on Google Play
  2. Enter the information needed to set up your account, create a username and password
  3. Follow the prompts provided to confirm personal information to login

Get Started With Online Banking

Interactive Video Player for Bill Pay

Bill Pay & E-billing Features

  • Set up bill payments to make paying your bills easy
  • Enroll for electronic bill delivery from companies that offer this service
Interactive Video Player for Credit Score

Credit Score

  • Educate yourself and get advice on how to improve your credit score
  • Access to credit score and report
  • View personal credit analysis
  • See recent inquiries on your credit - be proactive in monitoring any attempted fraud
  • Set credit monitoring alerts
Interactive Video Player for Spending


  • Gain insight into your day-to-day spending and expenses
  • Manage personal finances like your savings and other financial accounts

Video Tutorials of Our Financial Management Tools

At Merchants, our goal is to help you feel confident about managing your money and your financial future. That means giving you all the tools and resources you need to have a well-rounded financial education. Use our interactive demos to get comfortable with Merchants Bank’s digital banking tools.

Does Merchants Bank have Telephone Banking?

Yes. With Phone Banking, you can transfer funds between accounts and access account information 24-hours a day by calling (888) 457-3444. Our convenient Telephone Banking service will walk you through the process to self-enroll.

What are the mobile deposit transaction guidelines?

There is a total limit of $8,000 for mobile deposit per business day.

Does Merchants Bank have Text Banking and what are the text commands?

Yes, Merchants Bank offers text banking on your mobile device.
  • Free, easy-to-use, secure mobile access to your account information on your mobile device
  • A convenient way to check balances, view recent transactions and transfer funds
Enroll for Text Banking: Enroll through Online Banking, under Profile Updates. Select the accounts you wish to enable for Text Banking, set your mobile account nicknames, and select your primary account. You're ready to go!

Quick Guide to Text Messaging (SMS) Commands when texting to 98662
Inquiry Text Command
Balance Inquiry for primary checking or savings account B
Balance inquiry specific account B <nickname>
example: balance My Checking
Balance Inquiry for all accounts B all
History (last 5 transactions) H
History for specific account H <nickname>
example: hist My Checking
Next five historical transactions M
example: hist, more
See account nicknames N
See a list of all text commands help
Unsubscribe from Text Banking stop


Merchants Mobile Banking is free, however, text or data charges may be imposed by your mobile provider. Check your plan for details. Your carrier may limit access outside the U.S.


Choose from a variety of flexible and convenient checking accounts that let you spend the way you want.

Credit Cards

Earn rewards at competitive rates when you borrow with a Merchants Visa® Credit Card.

Home Equity Line of Credit

Access to credit when you need it with the flexibility of a Home Equity Line of Credit. 

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