Merchants Bank
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Application Center


Online Banking and Mobile Banking

For Online Banking security tips and other important security information, click here.


Consumer Online Banking

  • Free, easy-to-use secure Internet access to your account balance, transaction history and more.
  • Electronic bill payment is easier and more convenient than writing checks.  You save money by not having to pay for postage, checks, and envelopes.


Click on ENROLL in the login box to the left of your screen.

Click here for an Online Bill Pay reference guide.
Click here for an Online Bill Pay demo.



Consumer Mobile Banking

A convenient way to check balances, initiate mobile deposits, view recent transactions, transfer funds, pay bills, find branch and ATM locations, and more.



Log in to your Merchants Online Banking account. Click “Other Services” then click “Mobile Banking.” You will need to accept the Mobile Banking terms. From here you will be prompted to choose a login ID. Then, enter your mobile phone number and set up a PIN number. You will receive two text messages on your phone with instructions to text “Yes” to complete the enrollment. This text message will also include a URL to access Mobile Bank­ing through your phone’s browser.

Q: What are the requirements for my Mobile Banking login ID?

A: Your login ID will need to be between 2-30 characters in length and can only be letters, numbers, or a combination of the two.

Q: What are the requirements for my Mobile Banking PIN?

A: Your PIN will need to be between 4-14 characters in length and can only be letters, numbers, or a combination of the two

Q. What is the text messaging number for Mobile Banking?

A. The number is 469-228. Hint: Save this number in your contacts for future use.

Q. What is the cutoff time for transfers to be applied to my account for the business day?

A. It is the same as Internet Banking – 6:00 p.m. for internal funds transfers.

Click here for a Mobile Banking demo.
Click here for Mobile Banking security tips.


SMS Banking

Quick Guide to Text Messaging (SMS) Commands by Dialing 469-228
Balance Inquiry (BAL) balance, bal, b
example: balance
Balance Inquiry specific account balance, bal
example: balance My Checking
Account details (DETAILS) Details <Account identifier>
example: details 809884543 or details Eric’s Savings
Transactions (HISTORY) transactions, statement, history, recent, tran, log
example: transactions Bob
Inter-account transfer (XFER) transfer, xfer
example: transfer 10.00 TO SAV
Inter-account transfer (XFER) transfer, xfer
example: transfer 10.00 FROM 12344 TO 122222
Help (HELP) help example: help Sample Response : Merchants Bank: For help, see or call 866.496.0522. Text HELP ALL for commands and STOP to opt-out Std/other charges may apply.
Help (HELP ALL) help all example: help all Sample Response : Bal, CP, Pin, Xfer, Statement
Stop (STOP) Stop example: STOP Sample Response : Merchants Bank: Thank you. You have been opted-out of Mobile Banking. See or call 866.496.0522 for more info.


Mobile Apps

The Android App is free and available by accessing Google Play Store (formerly the Android Market) from your mobile device and searching for "Merchants Bank," or by clicking here.
Free iPhone and iPad apps can be found in the App Store or iTunes by searching for "Merchants Bank" or by clicking here. Supported on iOS 6 and higher only.



Consumer Mobile Deposits

All you need is the latest version of the Merchants Mobile Banking app and you’ll have access to Mobile Deposit.

  1. Select the Account
    Choose an account from the Deposit To menu

  2. Enter the Amount

  3. Snap a Picture / Endorse Your Check
    Take a clear picture of the check front, then flip it over. Endorse the check “For Deposit Only to Merchants Bank” and then take a picture of the back of the check.

  4. Click Make Deposit.

  5. Confirmation
    After you give your deposit one final look and deposit your check, we’ll provide you with confirmation of your deposit.  It’s that easy!


Mobile Deposit transaction guidelines

  • $2,500 limit per check
  • $2,500 mobile deposit limit per day
  • May deposit up to 10 checks per day
  • $5,000 mobile deposit limit per month
  • May deposit up to 20 checks per month
  • Limits are not independent of each other. For example, if you deposit 10 checks for $100 each in one day, you have reached your per day limit of 10 checks even though you have not reached your total daily mobile deposit limit of $2,500.


Mobile Bill Pay

Pay bills with the tap of a finger. It’s really that easy once your payees are set up in your Merchants Online Banking.

  1. Select Payee
    Select who you want to pay. To set up a Payee, simply login to your Merchants Online Banking.

  2. Select the Account you want the payment to come from

  3. Enter the payment Amount

  4. Select the Date you want the payment sent

  5. Click Schedule Payment. It’s that easy!


Personal Financial Management — Manage My Money

Manage My Money

Manage My Money is a personal financial management tool available in your Merchants Bank Online Banking. Get a complete picture of your financial information. View balance and transaction information from any account to stay in control of your income and expenses all in one place:

• Track your spending

• Create budget goals

• View expense reports

• Track accounts you have with Merchants Bank, other banks and investment companies

• Much more

Click here for a Manage My Money Help Guide.
Click here for a Manage My Money FAQ.

To enroll, simply click on the Manage My Money tab in your personal online banking.


Merchants Telephone Banking

Transfer funds between accounts and access account information 24-hours a day by calling (507) 457-3444 or, from outside the Winona area, toll-free 1-888-457-3444. Please click here for more details.


Out-of-Band Authentication One Time Security Code

Our goal at Merchants Bank is to provide the highest level of security to ensure a secure banking environment for you and your financial information. One of the critical components of a secure banking environment is to provide multiple layers of security. We have introduced yet another layer of security called out-of-band-authentication (OOBA).

As a result of this new security level, Business Online Banking users will be required to enter a One Time Security Code to authenticate certain online transactions, such as submission of ACH files, while using Merchants Business Online Banking.

What is One Time Security Code?
One Time Security Code is a time sensitive, single-use random 6-digit number that can only be used once. When you perform specific types of transactions, such as submission of ACH files, a One Time Security Code will be required to complete the transaction.

You may request the Security Code be delivered in the following ways:

  • an automated voice call back
  • SMS text message
  • email


After receiving the Security Code you must enter the Code into your Online Banking page before the transaction can be completed. The transaction will be completed only if the Code is correct.


View our One Time Security Code Guide to see how One Time Security Code works


For additional information about identity theft and Internet fraud, visit:


Trusteer Rapport®

Protect yourself against cybercrime and online fraud with Trusteer Rapport, a free service for our customers.

One out of every four PCs in the United States is infected with some sort of malware. That's nearly 60 million affected computers nationwide. Over 20 million customers are already using Trusteer Rapport to prevent online fraud. At Merchants Bank, we know that a layered security approach is the best way to prevent online financial fraud, so we have partnered with Trusteer, an IBM security company, to bring you Rapport, free of charge, because we feel it's that important for you to take this extra security step. Download now


What is Trusteer Rapport?

Trusteer Rapport® is a software that helps prevent malware and phishing attacks that are the root cause of most financial fraud. It also helps financial institutions to maximize protection for their customers. It will work together with your current antivirus and firewall protection software to provide an additional layer of security.

How Trusteer Rapport Protects Your Account
  • Removes existing financial viruses from your computer immediately
  • Prevents financial virus infections when accessing malicious websites or downloading malicious applications
  • Stops phishing attacks from stealing your credentials and data
  • Automatic updates are done in the background keeping up with the latest threats
  • Compact software that won’t slow down your computer or interfere with your applications
  • Protection starts with a quick installation (to ensure full protection please restart your computer)


Rapport is highly recommended as an additional layer of security to any antivirus program you already use. To download Rapport, provided free to you by Merchants Bank, click here.

In an independent study, Trusteer Rapport stopped 100% of all financial malware used by testers to try and infect a protected machine.

Trusteer Rapport was developed by the online security experts at Trusteer and currently protects tens of millions of users worldwide.


Seeing Trusteer Rapport Work
Once installed, a green Trusteer Rapport icon will be displayed near (or in) the browser's address bar when you are viewing a website that is protected by Trusteer Rapport.
If the site is unprotected, a grey icon will display instead

Rapport Education and Support


Fee Free ATMs

Merchants Bank customers: When you use your Merchants Debit Card at these machines owned by Merchants Bank, you will not be assessed a transaction fee. Find a Merchants Bank owned ATM.


fee free cash Fee Free Cash at any Kwik Trip and Kwik Star location in Minnesota, Wisconsin and Iowa. ATM fees do not apply. Find the nearest Kwik Trip or Kwik Star location.



New Mobile Mobile Internet Phone ATM