How Do I...

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

  Yes, you will have a penalty on the interest earned.
• How Do I Set Up Direct Deposit?
  How Do I Set Up Direct Deposit?

  Direct deposit is initiated by your employer. You must ask your employer if they offer direct deposit, they should have the appropriate paperwork for you if they do. You will need to supply a voided check from the deposit account.
• Where can I sign up for Allpoint?
  Where can I sign up for Allpoint?

  Access to Allpoint's national surcharge-free ATM network is available to Merchants Bank customers automatically. 
• Can I pay anyone with bill payment?
  Can I pay anyone with bill payment?

  Yes, you can pay bills in US dollars to any company or individual located in the continental United States, except tax payments, security purchases, and court-ordered payments. Your payments are deducted electronically and paid by check if your payee cannot accept an electronic payment.
• Do I get separate checks and cards for this account?
  Do I get separate checks and cards for this account?

  Yes you get both checks and cards.