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*
Non-Mercantile ATM fees reimbursed
4 per cardholder, per month
Interest paid
Interest is paid on balances of $1,000.00 and above
MercPerks Benefits (PDF)

*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
Non-Mercantile ATM fees reimbursed
4 per cardholder, per month
Interest paid
Interest is paid on balances of $2,500.00 and above
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).
Non-Mercantile ATM fees reimbursed
4 per cardholder, per month
Apply Online for Community Checking Account Disclosures for Community Checking

Senior Community Checking

A free account that offers two complimentary orders of Mercantile logo checks per year.

Minimum Opening Deposit
$25
Non-Mercantile ATM fees reimbursed
4 per cardholder, per month
Apply Online for Senior Community Checking Account Disclosures for Senior Community Checking

Student Account

Mercantile's Student Account is a free account that gives you online and mobile features so you can bank how you want to, when you want to.

Minimum Opening Deposit
$25
Recurring Fee
No monthly service charge
Non-Mercantile ATM fees reimbursed
4 per cardholder, per month

For students age 15-17 — requires a parent or guardian on the account.

Find a Location for Student Account Account Disclosures for Student Account

Contact Us

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Holiday Hours

Customer Service

800.453.8700
M-F 8am-6pm, Sat 9am-1pm

Telephone Banking

866.242.6410
24-Hour

TTY/TDD

866.242.6415

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