Managing your bank accounts has never been easier with Merchants Bank’s Personal Online & Mobile Banking. Get secure access to account information, plus enhanced tools like credit information, credit alerts automated account alerts, mobile deposit, e-billing and more. Or enroll in Telephone Banking, another secure way to access your account information or transfer funds 24/7.
Online & Mobile Banking Features
Through Online & Mobile Banking, you’ll get the day-to-day account information you need as well as seamless access to financial tools to help manage your finances and plan for the future.
- View transactions, make transfers and deposit checks.
- Increased security with two-factor authentication, which will confirm your identity through a code to your mobile device, phone call or personal security questions when you login for the first time from a new device or unknown internet connection. Learn more about this process.
- 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.
- View deposit images in account activity.
- Enroll and view eStatements for eligible accounts.
- Export transaction history to Money, Quicken or Quickbooks financial management software.
- Access to your credit card account through mycardstatement.com
Alerts
- Set up enhanced account alerts based on your preferences.
Bill Pay & E-Billing
- Set up bill payments to make paying your bills easy.
- Schedule payments for their due date - we'll take care of making the payment either electronically or by check. You just need to deduct the payment amount from your checking account balance.
- We partner with Check Free to process Online Banking bill pay requests. Get questions about the Check Free bill pay process.
- Enroll for electronic bill delivery from companies that offer this service.
Credit Score
A tool to help better educate you on your credit score with advice on how to improve it.
- Access to credit score and credit report.
- View your personal credit analysis.
- See recent inquiries on your credit – be proactive in monitoring any attempted fraud.
- Set credit monitoring alerts.
- Read credit education and more.
Secure Messaging
- Send a secure message to Electronic Banking if you have questions in your Profile section.
- In your Account Activity Screen, click or press the green question mark icon next to a specific transaction to send a message. Your transaction information will automatically populate in the message.
- Submit a travel alert electronically in your Profile section to ensure your debit and credit cards still work beyond the tri-state area.
Spending
A free tool for managing your personal finances, available on desktop. With Spending, you can:
- See all your finances in one spot, including Merchants Bank accounts and accounts you hold at other financial institutions.
- Create custom categories to help you see spending habits.
- Track budget and goal progress against your personal targets using simple income and expense categories as well as monthly cash flow.
- Use charts, graphs and advanced search capabilities to make monitoring and analyzing your account activity simple.
Spending helps you gain greater insight into your day-to-day expenses as well as manage your savings and other financial accounts. To get started, click on the Spending tab once you've logged in.
Zelle ®
Zelle is a convenient way to send money using your mobile banking app or online banking account. Learn more about Zelle.
Get Started with Online & Mobile Banking
If you’d like to access your Merchants Bank accounts through Online & Mobile Banking, you’ll need to register for an account following the steps below. Separate access is not required for Online Banking and Mobile Banking. Once you have registered through one, you’re able to use the same credentials for the other.
How to Register Online
- Click here to begin your registration.
- Enter the information needed to set up your account and create a username and complex password.
- Follow the prompts provided to confirm your personal information.
How to Register through the Mobile App
- Download the Merchants Bank Mobile Banking app.
DOWNLOAD FOR ANDROID DOWNLOAD FOR APPLE - Enter the information needed to set up your account and create a username and complex password.
- Follow the prompts provided to confirm your personal information.
Tips for the First Time You Log In
Here are a few areas we would recommend reviewing after you log in to Online & Mobile Banking the first time:
- Set up account nicknames if you prefer more personalized account names for easier account management.
- Set up payees and schedule upcoming bill payments.
- Add internal or external accounts for transferring.
- Set up automated account alerts.
- Review Spending tools and update based on your preferences.
- Set up debit card fraud monitoring through Card Valet, if you are not using this app. (coming soon)
- Set up Fast Balances on Mobile.
- Set up credit monitoring alerts in Credit Score.
