You are about to leave Merchants Bank.

Do you want to continue to:?

Back Continue

Merchants Bank

  • Home
  • Security
  • Investor Relations
  • About Us
  • FAQs
  • Resources
  • Contact Us
Online Banking Sign-in
  • Rates
    • Primary Residences & Second Homes

      Special Programs

      Jumbo Mortgages

      Investment Properties

      Second Mortgage Home Equity Loans and HELOCs

      Deposit Interest Rates

      Consumer Loan Rates

    • CONNECT WITH US

      • Find a Location
      • E-mail Us

      RESOURCES

      • Calculators
      • Money Smart Classes
      • Financial Newsletter

      Call us toll free:
      1-800-322-5222

  • Personal
    Banking
    • Online Banking

      • Online Banking Protection
      • FinanceWorks Demo
      • Bill Payment
      • eStatements
      • Check Images
      • FAQs
      • Sign Up Now

       

      Checking & Savings

      • Rewards Checking
      • Money Market Savings
      • IRAs
      • Flexible CD
      • HSAs
      • CDARS®
    • Loans

      • Mortgages
      • Adjustable Rate Mortgage
      • Bi-Weekly Mortgages
      • Home Equity Loans & Lines
      • Auto Loans
      • Cash Secured Loans & Installment Loans

      Mobile Banking

      • Overview
      • Mobile Capture
      • Mobile Banking FAQs
      • Text Banking FAQs
      • Cost
      • Download our App
    • Banking Services

      • Overdraft Coverage
      • Overdraft Assurance
      • Debit Card
      • Phone Banking
      • Reorder Checks
      • Wire Transfers
    • CONNECT WITH US

      • Find a Location
      • E-mail Us

      RESOURCES

      • Calculators
      • Money Smart Classes
      • Financial Newsletter

      Call us toll free:
      1-800-322-5222

  • Commercial
    Banking
    • Commercial Banking

      • Find a Commercial Banking Officer
      • Contact Us

      Commercial Loans

      • Lines of Credit
      • Term Loans / Commercial Mortgages
      • Electronic Health Records Loan Program

      Deposit Accounts

      • Merchants Rewards Checking
      • Merchants Business Checking
      • Merchants Business Plus Checking
      • Merchants Commercial Checking
      • Compare Accounts
      • Business Money Market Account
    • Certificates of Deposits (CDs)

      • Flexible CD
      • CDARS®

      Business Services

      • Corporate Online Banking
      • Online Banking Protection
      • Cash Management
      • Remote Deposit
      • Business Debit Card
      • Merchant Services
      • Payroll Services
      • Overdraft Coverage
      • Overdraft Assurance

      52 Reasons

    • CONNECT WITH US

      • Find a Location
      • E-mail Us

      RESOURCES

      • Calculators
      • Money Smart Classes
      • Financial Newsletter

      Call us toll free:
      1-800-322-5222

  • Government
    Banking
    • Overview


      Government Loans

      • Term Loans
      • Short Term/Lines of Credit

      Checking & Savings

      • Municipal Interest Checking
      • Money Market Account
      • Municipal Sweep Account

    • Certificates of Deposit (CDs)

      • Flexible CD
      • CDARS®

      Municipal Services

      • Online Banking
      • Cash Management
      • Debit Card
      • Remote Deposit
      • Resources

      Contact Us

    • CONNECT WITH US

      • Find a Location
      • E-mail Us

      RESOURCES

      • Calculators
      • Money Smart Classes
      • Financial Newsletter

      Call us toll free:
      1-800-322-5222

  • Merchants
    Trust Company
    • Trust Online Account Login
       

      Why Us?

      • About Us

      Individuals & Families

      • Investing
      • Planning
      • Trustee Services
      • New Investors
      • Client Profile
      • Questions
    • Our Team

      • David Bosworth, MSA
      • Lynette Chase, CTFA, AFIM
      • Molly Dillon, CTFA
      • Cathleen E. Doty, CTFA
      • Kevin Farley
      • Sean Houghton, CTFA
      • David LaForest, CTFA
      • James D. Miller, CFP
      • Katherine P. Mosenthal Esq., CTFA
      • Dan Stanyon, CTFA
      • Angela Webster, MBA, RP®
    • Non-Profits & Foundations

      • Investing
      • Planning
      • Client Profile
      • Questions

      Business Owners

      • Investing
      • Planning
      • Client Profile
      • Questions

      FAQs & Resources


      Contact Us

  • Financial
    Education
    • Financial Education for Teachers

      • Resources for Teachers
      • Class of 2011

      Past Money Smart Classes
       

      Partner Profiles
       

      Resources

    • FDIC Money Smart Classes

      • Bank On It
      • Borrowing Basics
      • Check It Out
      • Money Matters
      • Pay Yourself First
      • Keep It Safe
      • To Your Credit
      • Charge It Right
      • Loan To Own
      • Your Own Home
      • Financial Recovery
      • Setting Financial Goals
      • Paying For College and Cars
      • A Roof Over Your Head
    • CONNECT WITH US

      • Find a Location
      • E-mail Us

      RESOURCES

      • Calculators
      • Money Smart Classes
      • Financial Newsletter

      Call us toll free:
      1-800-322-5222

  • Careers
    • Job Openings

      How To Apply

      EOE Statement

      Culture

      Benefits

      Training & Career Advancement

    • CONNECT WITH US

      • Find a Location
      • E-mail Us

      RESOURCES

      • Calculators
      • Money Smart Classes
      • Financial Newsletter

      Call us toll free:
      1-800-322-5222

  • Locations
    • Find a Branch (Map)


      Branch Listing


      Service Center


      Allpoint ATM Network

    • CONNECT WITH US

      • Find a Location
      • E-mail Us

      RESOURCES

      • Calculators
      • Money Smart Classes
      • Financial Newsletter

      Call us toll free:
      1-800-322-5222

Financial Education

  • Financial Education for Teachers
    • Resources for Teachers
    • Class of 2011
  • FDIC Money Smart Classes
  • Past Money Smart Classes
  • Partner Profiles
  • Resources

How Do I...

  • What can I use my HSA for?
    What can I use my HSA for?

    You can use your funds for doctor's bills, prescriptions, eye care and more. 

  • Do you keep the mortgages in Vermont?
    Do you keep the mortgages in Vermont?

    You bet. For more than a decade Merchants Bank has been maintaining and servicing its residential mortgages in-house. This keeps Merchants strong as it provides a solid base from which to lend and it keeps mortgages in local hands - helping Vermont's economy.

  • Why aren’t your rates as high as online banks?
    Why aren’t your rates as high as online banks?

    Some online banks can offer higher rates because they don't offer the personal service that comes from a community bank like Merchants Bank. 

  • Do I have to have direct deposit?
    Do I have to have direct deposit?

    Direct deposit is not a requirement for this account

  • If I withdraw money early, is there a penalty?
    If I withdraw money early, is there a penalty?

    To avoid penalties, withdrawals must be made at least seven calendar days from the most recent deposit, withdrawal or rate change.

Resources

  • FAQs
  • Wire Transfers
  • Money Smart Classes
  • Calculators
  • Customer Forms

Resources for Teachers

Check out a small sample of the many resources we use at the Champlain College Summer Institute. 

NEFE High School Program

Junior Achievement

Council for Economic Education

FDIC Money Smart Program

Jump$tart Coalition Clearing House of financial education materials

Jump$tart K-12 Guidelines

NEFE Financial Education evaluation manual

NEFE Financial Workshop Kit

Online Financial Games

 

Connect With Us

  • Chat With a Local Representative
  • E-mail Us
  • Find a Branch
  • Call us toll free: 1-800-322-5222

Allpoint ATM Network

Access over 55,000 surcharge-free ATMs around the world-with hundreds right here in Vermont. Learn more.

eStatements

Save paper and reduce your carbon footprint–a free service for personal online banking customers–sign up today.

Rewards Checking

Get cash back on Debit card purchases, enjoy FREE Online and Mobile Banking, surcharge-free access to 55,000 Merchants Bank and Allpoint ATMs. Click here.

  • Rates
  • Personal Banking
  • Commercial Banking
  • Government Banking
  • Merchants Trust Company
  • Home
  • Locations
  • Security
  • Investor Relations
  • About Us
  • Careers
  • FAQs
  • Contact Us
  • Online Banking Sign-In
  • Customer Stories at VermontMatters.com
  • Funds Availability Statement
  • Privacy Policy
  • Call us toll free:
  • 1-800-322-5222
Merchants Bank
  • Copyright ©2013 Merchants Bank
  • Privacy Policy
FDIC

You are about to leave Merchants Bank.

Do you want to continue to:?

Back Continue