Personal Banking /

Checking

A range of options for your unique needs.

Mercantile is the bank that focuses on you — your responsibilities, your goals, your dreams for the future. We offer a wide range of personal deposit account options to help meet your unique needs.

Features and Benefits

24 Hour Access

 

Budgeting Tool

 

Mobile Banking

 

Personal Payments

 

Overdraft Protection

 

Mercantile Checking Account Options

MercPerks Checking

Mercantile's MercPerks Account is designed to maximize savings and security. MercPerks benefits include; Ultimate ID® identity theft solution, travel benefits, discounts on entertainment, cell phone protection and cash back rewards from over 3,000 online merchants.

Minimum Opening Deposit
$25
Recurring Fee
$7.95 monthly or $90.00 annually*
Interest paid
Interest is paid on balances of $1,000.00 and above
MoneyPass® ATM Network
No ATM transaction fees or surcharge fees at Mercantile Bank and MoneyPass® Network ATMs. (Find a MoneyPass® ATM)

*Optional annual fee payment method; requires signed enrollment form. Refunds of annual fee will not be given if account is closed or converted to a new product.

Apply Online for MercPerks Checking Calculate Your Savings! for MercPerks Checking Account Disclosures for MercPerks Checking

High Yield Checking

Designed for those who are looking to maximize interest by maintaining a slightly higher minimum balance.

Minimum Opening Deposit
$25
Recurring Fee
The $12.00 monthly service fee can be waived by maintaining a $2,500.00 average monthly balance
Interest paid
Interest is paid on balances of $2,500.00 and above
MoneyPass® ATM Network
No ATM transaction fees or surcharge fees at Mercantile Bank and MoneyPass® Network ATMs. (Find a MoneyPass® ATM)
Apply Online for High Yield Checking Account Disclosures for High Yield Checking

Community Checking

A simple account that meets your basic needs. Three options available to avoid the monthly service charge.

Minimum Opening Deposit
$25
Recurring Fee
The $5.95 monthly maintenance fee can be waived by enrolling in estatements through online banking or by maintaining an average balance of $1,000 per statement cycle. The monthly maintenance fee will also be waived for any Active Military or Military Veterans (valid documentation will be required).
MoneyPass® ATM Network
No ATM transaction fees or surcharge fees at Mercantile Bank and MoneyPass® Network ATMs. (Find a MoneyPass® ATM)
Apply Online for Community Checking Account Disclosures for Community Checking

Senior Community Checking

A free account for customers age 62 or older that includes two complimentary orders of Mercantile logo checks per year.

Minimum Opening Deposit
$25
MoneyPass® ATM Network
No ATM transaction fees or surcharge fees at Mercantile Bank and MoneyPass® Network ATMs. (Find a MoneyPass® ATM)
Apply Online for Senior Community Checking Account Disclosures for Senior Community Checking

MercStart Account

An account designed for students age 13 to 17 that provides the convenience of a traditional checking account while encouraging healthy banking habits.

Minimum Opening Deposit
$25
Recurring Fee
$4.95 fee waived until the primary owner turns age 18
MoneyPass® ATM Network
No ATM transaction fees or surcharge fees at Mercantile Bank and MoneyPass® Network ATMs. (Find a MoneyPass® ATM)

This account requires a parent or legal guardian to be a co-owner until age 18.

Apply Online for MercStart Account Account Disclosures for MercStart Account

Contact Us

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Holiday Hours

Customer Service

800.453.8700
Send us a Message
M-F 8am-6pm, Sat 9am-1pm

Telephone Banking

866.242.6410
24-Hour

TTY/TDD

866.242.6415

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