Debit Card
With a Merchants Bank Debit Card, you can make purchases most anywhere that MasterCard® is accepted.
Your card functions as a check. You can use it to pay bills such as utilities, insurance and car payments.
You will also enjoy additional security protection when you shop online by signing up for a MasterCard SecureCode.
Other features include:
- PIN-system security
- Ability to change PIN via Phone Banking
- No annual fee
- With CashRewards Checking you have access to 55,000 worldwide surcharge-free ATMs – including hundreds in Vermont
- Point-of-sale funds drawn from primary checking account†
Personalize Your Debit Card

Show off your family, your pet, or whatever you want* - every time you make a purchase. Just upload a photo of your choice to personalize your card.
*Merchants Bank reserves the right to reject any image (includes a photograph) submitted, in our sole and absolute discretion. You may not submit images that are unacceptable including, but not limited to, the following examples: trademarks, logos, copyrighted images, celebrities, or any image deemed inappropriate.
Click on the card above to start designing your own card.
- Ordering the customized card replaces your current card
- $10 per card
- Only for personal checking accounts, not Health Savings Accounts.
†Money Market Account may not be used for this purpose due to transaction limitations on that account. Fees apply for non-Merchants Bank ATM use and replacement cards.
Connect With Us
Questions?
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Are there any fees?
Are there any fees?
There are no regular fees. The only fees that may apply are for ATMs that are non-Merchants Bank and not part of the Allpoint network. You will be charged for a new card if you need a replacement before the regular reissue date.
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What’s the difference between a debit and credit card?
What’s the difference between a debit and credit card?
A debit card takes the funds directly from your bank account when you make a purchase. A credit card is like borrowing money - your bank will pay the vendor and you agree to pay back the bank.
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What happens if I lose my card?
What happens if I lose my card?
Contact our Customer Call Center and new card will be issued.
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How do I protect my debit card?
How do I protect my debit card?
Click here for information on debit card and credit card security.
Home Equity Loans
Whether it’s home improvement, education expenses or a vacation,
put your home’s equity to work for you. Apply online.
Routing Number
The bank’s routing number is: 011600020
Debit Card Convenience
Use your Debit Card to pay for groceries, gas, movie tickets and more. And CashRewards Checking customers earn cash back on all Debit Card purchases. Learn more.
