Hours
Lobby Hours
| Monday | 8:30 a.m. - 4:00 p.m. |
|---|---|
| Tuesday | 8:30 a.m. - 4:00 p.m. |
| Wednesday | 8:30 a.m. - 4:00 p.m. |
| Thursday | 8:30 a.m. - 5:00 p.m. |
| Friday | 8:30 a.m. - 4:00 p.m. |
| Saturday | Closed |
| Sunday | Closed |
Drive Up Hours
| Monday | 7:30 a.m. - 5:00 p.m. |
|---|---|
| Tuesday | 7:30 a.m. - 5:00 p.m. |
| Wednesday | 7:30 a.m. - 5:00 p.m. |
| Thursday | 7:30 a.m. - 5:00 p.m. |
| Friday | 7:30 a.m. - 5:00 p.m. |
| Saturday | 8:00 a.m. - 12:00 p.m. |
| Sunday | Closed |
Observed Holidays
- January 1
- Closed for New Year's Day
- May 26
- Closed for Memorial Day
- July 4
- Closed for Independence Day
- September 1
- Closed for Labor Day
- November 27
- Closed for Thanksgiving
- December 24
- Closed at Noon for Christmas Eve
- December 25
- Closed for Christmas
- January 1, 2026
- Closed for New Year's Day
Services
- Notary
- Drive Up ATM
- Safe Deposit Box
Local Leadership
Our St. Charles location is guided by our Regional President-South Region and the Merchants Bank Charter Board, made up of community members and business professionals.
Regional President-South Region: Erick Maki
Community Involvement
Being a community leader is who we are. Our team volunteers thousands of hours each year in leadership and education roles in addition to local events.
Our local team is proud to coordinate the 10 Days of Giving food drive, an annual community collaboration between Merchants Bank in St. Charles and the Hometown Resource Center to help stock local food shelves each winter. Since 1989, the drive has collected thousands of pounds of food and helped thousands of people in the area.
Upcoming Events
Click here to see our company-wide calendar. Read about recent events.
Timothy Gossman Retirement Open House
10:00 a.m. - 3:00 p.m.
Merchants Bank - St. Charles
1130 Whitewater Avenue, St. Charles, MN 55972
Join us in wishing Timothy Gossman a happy retirement after 44 years of serving our local communities. Light refreshments will be served.
St. Charles joined the Merchants Bank family in 1990 when Merchants acquired the First National Bank in St. Charles.