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Online Banking and Mobile Banking

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


Merchants Online Banking

With Merchants Online Banking, you get easy-to-use secure Internet access to your account information for balance inquiries, transaction history and more, whenever you need it.

Merchants Online Banking is a free service for our customers. The electronic bill payment function is easier and more convenient than writing checks, and you save money by not having to pay for postage, checks, and envelopes. We also offer up-to-date descriptions of Debit Card transactions so you can always monitor your account for accuracy. Online banking makes it easy.

Your time is valuable. Merchants Online Banking gives you convenient, easy to use, secure access to your accounts via the Internet. Sign-up today! Click on ENROLL in the login box to the left of your screen.

Manage My Money

Manage My Money

Manage My Money is a Personal Financial Management (PFM) tool now available on your Merchants Bank online banking. With Manage My Money you are able to get a complete picture of your financial information. This tool allows you to view balance and transaction information from any account to stay in control of your income and expenses all in one place. You can track your spending, create budget goals, see expense reports and much more. Manage My Money allows you to see accounts such as Credit Cards, Loans, Checking, Savings, Real Estate and many more. These include accounts that you have with Merchants Bank and other banks and investment companies.

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.

Online Bill Pay 

Available through Online Banking, online bill pay allows you to pay virtually anyone or any company through your Online Banking account. You determine who you want to pay, when you want to make the payment, and the account you want the payment to come from. 

  • Schedule payments in a few clicks
  • Save time and money right away
  • Make safe and secure transactions


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


Merchants Mobile Banking

Banking in the palm of your hand – it’s really that easy with Merchants Mobile Banking. 

Whether you’re at home, work, school, out running errands, or on vacation, Merchants Mobile Banking makes it convenient to keep track of your finances. Check balances, view recent transactions, transfer funds, find branch and ATM locations, and more.

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


 Three ways to use Merchants Mobile Banking:

To use Merchants secure Mobile Banking, you must be a Merchants Online Banking user.* Text Banking
Great for users who love to text!
Mobile Site
Works perfectly with your phone’s web browser.
Mobile App
Enjoy the full Merchants Mobile Banking
experience on your smartphone and iPad.+
FREE Service* yes yes yes
Balance Inquiry yes yes yes
View Recent Transactions yes yes yes
Transfer Funds yes yes yes
Locate ATMs & Branch Locations no yes yes
Change Mobile PIN no yes yes
Direct Contact for Electronic Banking yes yes yes
*Mobile Banking is a free service from Merchants Bank and is available only to those with a Merchants Bank account. However, standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply for you. Your carrier may limit access outside the U.S. Mobile Banking works best on full-featured smart phones though it is not a requirement.
+Mobile Banking is currently available for Blackberry®, Android, and Apple's iPhone®, iPod Touch®, and iPad® running iOS 6 and higher.


To Enroll in Online Banking and Mobile Banking

From your desktop computer, simply login to your Merchants Online Banking and click on "Other Services" to enroll for Merchants Mobile Banking. Then enjoy the convenience of Mobile Banking by texting, web browser or one of our apps (download details can be found below).


Mobile Apps
If you have already enrolled for Mobile Banking, please enjoy the added convenience of our apps. Great for smartphone users. Enjoy the full Merchants Mobile Banking experience!

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.
For our Blackberry Launcher, click here.



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.


MoneyPass ATM Network

Merchants Bank customers: When you use your Merchants Debit Card at these MoneyPass 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 all Kwik Trip and Kwik Star locations in Minnesota, Wisconsin and Iowa. ATM fees do not apply. Find the nearest Kwik Trip or Kwik Star location.



Money PassMerchants Bank is a member of the MoneyPass network. Merchants Debit Card customers may access any MoneyPass ATM and will not be assessed a surcharge fee by the owning bank. Because most ATMs in the MoneyPass network are not owned by Merchants Bank, foreign ATM fees still apply and will appear on your Merchants Bank statement. Find the nearest MoneyPass location by using one of the following:


Visa Gift Card

One size fits all... easy to mail... fits any age.  Visa Gift Cards from Merchants Bank make the perfect gift.  They are accepted worldwide, wherever Visa is accepted.  Visa Gift Cards are perfect for:

  • Birthday
  • Valentine's Day
  • Graduation
  • Mother's Day
  • Father's Day
  • Christmas
  • Door prizes for schools, businesses and community groups
  • Employee incentive plans
  • Years of Service awards
  • Online purchasing power
  • and more


Visa Gift Cards are available from any Merchants Bank Teller in even dollar amounts between $10 and $1,000. There is a nominal issue charge at the time of purchase. Gift cards are flexible, easy to use, and provide instant issue so there's no waiting.  And you can track your card balance online at any time.

Enjoy the convenience of a Merchants Bank Visa Gift Card by visiting any of our locations today!



Mobile Internet Phone ATM