Simply Checking

Merchants Simply Checking gives you the simplicity of a traditional checking account combined with free electronic banking services, like online and mobile banking. 

Benefits of Merchants Bank’s Simply Checking include:

  • $100 minimum daily balance to avoid monthly service charge; No monthly service charge for people age 21 and younger, or 62 and over
  • Free Mobile Banking, Text Banking and Online Banking
  • Automatic rebate for non-Merchants Bank ATM fees
  • Free, unlimited Bill Payment
  • Unlimited check writing
  • Free eStatements
  • Free initial MasterCard® Debit Card
  • Free access to helpful money management tools like FinanceWorks
  • Earn cash back through Purchase Rewards program within Online Banking
  • Mobile Capture is also available**

Compare Simply Checking to Merchants Bank’s Freedom Checking and Growth Checking to see which account best supports your lifestyle.

Rewards Checking Plus

Want to open an account?

Contact any of our convenient 32 branches. For more information on our products contact our Customer Call Center at 800-322-5222.

*Account Details

The account has a minimum daily balance requirement of $100.00

There is an $8.00 monthly service charge if your minimum daily balance falls below $100.00.  This monthly fee can also be waived or offset if the account holder:

  • is 21 - years old or younger
  • is 62 - years old or older

Statements and check images are free within Online Banking. A $1.00 charge is assessed for each paper statement. You can opt to receive only e-statements once you sign in to Online Banking.

**Mobile Capture – There is a $0.50 charge for each deposited item, certain deposit and check limits apply and there is a daily cut off for deposits to be credited on a business day.