Online Banking FAQs

  1. What are the computer requirements for Online Banking and Online Bill Payment?

    To sign up for online banking and bill payment, you will need the following:

    • A Merchants Bank checking account
    • A computer, Internet access, and a supported version of the following browsers: Microsoft Internet Explorer 8 or higher, Firefox 4.0 or higher, Google Chrome, Safari 4 or higher
    • Other system settings: Cookies enables (first and third party), allow pop-ups, JavaScript enabled, PDF reader compatible, Adobe Flash Player - latest version
    • A high level of encryption – we recommend 128 bit encryption. This is automatically available with Microsoft Internet Explorer 5.5 and above.
  2. What happens if my account is overdrawn when a bill payment transaction comes through?

    If your account doesn’t have sufficient funds by the date the payment is debited from your account, you will be blocked from making additional payments -- until the account has enough funds to make the payment. In the case of fixed, recurring payments, only the payment currently scheduled will be affected. Fixed payments scheduled for future dates will not be affected.

  3. Why do you use strong password requirements for Personal Online Banking?

    Providing the strongest security possible to our customers is high priority for Merchants Bank. Our password structure is designed to prevent unauthorized access and ensure the highest level of integrity. Customers have the option to alternate between two passwords for ease in remembering. HINT: Use something meaningful to only you. The requirements do not need to be difficult.

  4. Who can I contact if I have any other questions or comments?

    If you have questions about Online Banking and Online Bill Payment, you can use our Secure Contact form or you can call us toll-free at 1-800-322-5222. Representatives are available Monday through Friday, 7:00 a.m. to 7:00 p.m. and on Saturday, 8:00 a.m. to 1:00 p.m. 

  5. Can I look at all of my transactions at any time?

    Yes. With Online Banking, you have access to your account information 24 hours a day, 7 days a week.

  6. How often is my account information updated?

    Account information is in real-time. 

  7. Can I access my business account in my Personal Online Banking?

    Yes, small businesses or sole proprietorships can access their business account along with their personal accounts. Partnerships and corporations are reviewed on a case-by-case basis. Please contact us at for a review of this nature.

  8. Do joint accountholders, such as my spouse, have to sign up separately?

    Each individual needs a unique User ID and Password to access Online Banking. You and your joint account holder will be able to access your joint account online, as well as other accounts you hold individually.

  9. Can businesses have online accounts at Merchants Bank?

    Yes. There are two versions of business online banking: Small Business and Corporate. For more information about our Corporate Online Banking option click here.

  10. What can I do with Online Banking?

    You can access your account online 24 hours a day, 7 days a week. You can pay bills, check on balances and view cleared transactions, transfer funds between accounts, reconcile accounts at any time without waiting for a statement, and download your account information directly to Microsoft Money or Quickbooks.

  11. How do I sign up for these services?

    Once you have opened your Merchants Bank checking account, simply click on the 'Apply Now!' link in the right-hand menu and follow the simple instructions. In order to submit an application for online banking, you must first read and accept the disclosure statement that appears.

  12. Are there any sign-up costs or monthly fees?

    There are no sign-up or monthly fees for Online Banking or Online Bill Payment.

  13. What accounts can I look at?

    You can view checking accounts, savings accounts, money market accounts, certificates of deposit, individual retirement accounts and loans. Bill Payments can be made from multiple checking accounts.

  14. How do I add another account to my existing Online Banking account?

    You can request more accounts to be added by clicking on the “E-mail Us” button on this page (see above) and typing the account number(s) in the message box. In addition, clicking on the “Email” button within an online banking session will take you to the same form. This is a secure method of electronically communicating account information to us. You can also call our Customer Call Center at 800-322-5222.

  15. Will I get step-by-step instructions for Online Banking and Online Bill Payment?

    Detailed instructions are available online when you sign up. You can also view our Demo to see how the services work. In addition, you will receive detailed instructions from the bank once your application has been processed.

  16. How long does it take for a bill paid through Online Bill Payment to reach the payee?

    Electronic payments are normally received in three business days. Payments that are made by check can take up to five business days. Scheduled payments that fall on weekends and federal holidays will be processed and mailed the following business day.

  17. Is there any limit to the number or dollar amounts of bills paid through Online Bill Payment?

    There is no limit to the number of payments you may make, and you may pay bills in amounts up to $9,999.99.

  18. What bills can I pay through Online Bill Payment?

    You can pay bills in U.S. currency to any company or individual located in the continental United States, except tax payments, security purchases and court-ordered payments. Payments are deducted electronically, or paid by check if the payee cannot accept an electronic payment.

  19. Are you receiving an HTTP Error 403 when accessing the Bill Payment feature?

    Either enable third party cookies or add to your trusted sites on your browser.