Notify Us of Travel Plans

Travel plans for Memorial Day? Let us know if you’ll be traveling out of the tri-state area to ensure your Merchants Bank debit or credit cards continue to work. Submit a travel alert in Online & Mobile Banking or call us at (866) 496-0522. Have a safe holiday!

5/27: Drive-up only teller services in Hampton

Teller services in Hampton are available only through the Drive-Up on Friday, May 27. Please call (651) 437-9535 if you need to make an appointment with your banker.  Thank you.

Personal Overdraft Line of Credit

  • Available to qualified applicants
  • Interest rate of 15.59% APR and annual fee of $30**
  • Funds from this revolving line of credit will transfer in increments of $300
  • Monthly payment amount is determined by the outstanding line of credit balance

Automatic Transfer from Personal Savings* or Checking

  • Transfers will be in the amount of the overdraft, plus a nominal transfer charge
  • Savings accounts are eligible for this service include Basic Savings, Advantage Savings and Diamond Money Market

To add automatic transfer to your account, contact any Merchants Bank location.

Automatic Transfer from Home Equity Line of Credit

Transfers will be in the amount of the overdraft. To add automatic transfer to your account, contact any Merchants Bank location

* Account charges will apply if the number of transfers exceed savings account parameters.

** Interest charge is determined by applying the periodic rate to the daily balance of your Credit Line for each day of the billing cycle. If you do not make your payment within 10 days after the Payment Due Date shown on the voucher that you receive with each credit advance, in addition to our own rights in default, we may charge you 5% of the unpaid amount of the payment or $7.80, whichever is greater.

Savings Accounts

Convenient savings options for every lifestyle and financial goal.


Choose from a variety of flexible and convenient checking accounts that let you spend the way you want.

Credit Cards

Earn rewards at competitive rates when you borrow with a Merchants Visa® Credit Card.

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