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Important information:

Notice: Due to scheduled system maintenance Online Banking, including Mobile Banking, will be unavailable Monday, April 21st from 2:00a.m. until 6:30a.m. We apologize for the inconvenience.

ALERT: A security audit of Merchants Bank’s customer online banking system and our marketing website for Heartbleed OpenSSL vulnerability determined both are secure and NOT susceptible.  There is no need to change your Merchants Bank online banking password due to Heartbleed, although periodic password changes are always recommended.

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.

Bi-Weekly Mortgages

Make one half of your monthly mortgage payment every two weeks and you reduce your principal, interest paid and length of repayment. Learn more.

Routing Number

The bank’s routing number is: 011600020

Business Checking

Our 4 Business Checking Accounts give you the option to find the account that best matches your business needs. Learn more.

Today's Rates

MortgageRateAPR
20 Year Fixed Bi-Weekly with Auto-Pay 4.250% 4.268%
15 Year Fixed Auto-Pay 3.650% 3.684%
10 Year Fixed Auto-Pay 3.500% 3.549%
1-Year Auto-Pay ARM with 15-Year Term 1.375% 1.407%
1-Year Auto-Pay ARM with 10-Year Term 1.375% 1.422%
3-1 ARM with 15-Year Term 2.125% 1.685%
3-1 ARM with 10-Year Term 2.000% 1.746%
Home EquityRateAPR
15 Year Fixed HE Loan 5.000% 5.000%

Click on the Rate or APR for payment information.

More Rates
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