Are you currently serving in the military or a veteran? Learn about our Active Duty/Veterans Preferred Banking account.

all accounts include free iconmobile banking icononline banking icondebit card iconATM fee free cash iconestatements icon

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Printable Brochure Guia de cuentas y servicios Relationship Checking eChecking FREE Checking
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Minimum Opening Deposit $50 $50 $50
Free Chip Debit Card Checkmark in table
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Monthly Fee $10. No monthly fee with $1,500 balance in checking or a $15,000 combination of deposit and/or personal loan or mortgage balances
$10. No monthly fee with minimum of 6 debit card purchases and maximum of 6 paper checks.
ATM & automatic deposits / withdrawals not counted.
1st Year Free Overdraft Line of Credit* Checkmark in table Checkmark in table
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Identity Theft Insurance Available Available Available
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Available Available Online $2 per month when returned with statement; available free online
Earn Interest VIEW RATES

Free Merchants' Signature Style Checks Checkmark in table

Safe Deposit Box Discount
20% discount annually

50% Discount on Visa® Gift Card Purchase Charge
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No Fee on Money Orders Checkmark in table

No Fee on Cashier's Checks Checkmark in table

3 Foreign ATM Fees Waived per Month
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Safe Deposit Boxes

Securely store your items in a Safe Deposit Box. Many of our locations offer Safe Deposit Boxes in a variety of sizes and prices. Contact your local branch to learn what may be available.

View a complete list of our fees: Merchants Bank Fee Schedule

*Subject to credit approval.  15.59% Annual Percentage Rate.  

† Merchants Mobile Banking is free, however, text or data charges may be imposed by your mobile provider. Check your plan for details. Your carrier may limit access outside the U.S.