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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.

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
Balance Inquiry yes
View Recent Transactions yes
Transfer Funds yes
Locate ATMs & Branch Locations
Change Mobile PIN
Direct Contact for Electronic Banking yes
Get Started (to use Merchants Mobile Banking, you must be an Online Banking user. Click here for a demo.)
Enroll through Online Banking, then text BAL to 469-228 to get started.
Enroll through Online Banking, then go to on your web-enabled mobile phone.
Download the Merchants Bank app from the iPhone or Android App Stores.
*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 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.


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 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:



Mobile Internet Phone ATM