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Free Checking | E-Checking | Interest Checking | 49 Plus Checking | Relationship Checking

Merchants Bank offers a wide range of personal checking accounts to fit all your checking needs. All of our checking accounts offer access via Online Banking and the Merchants Master Money ATM/Check Card that can be used for purchases anywhere MasterCard is accepted or as an ATM card.


As a Merchants customer, you’ll have direct access to decision makers and financial planners. Merchants Bank has been a community bank for over a century. Our independence allows all banking decisions to be made right here by people who live and work in our community. Bank at Merchants and you’ll get the personal attention you deserve along with the financial services you desire.

Find an account right for you with our comparison chart

Merchants Bank will accept online applications for existing customers only. If you do not have an account with us already, please stop in any branch office for personal customer service.

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Free Checking

  • Minimum $25 to open
  • No Balance Requirement
  • No Monthly Fee
  • $1.00 Per Foreign (non Merchants Bank) ATM Transaction
  • Bill Pay $4.95 Per Month
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E-Checking

  • Minimum $25 to open
  • No Balance Requirement
  • No Monthly Fee
  • No Fee for ATM Transactions
  • Free Bill Pay
  • Required eStatement
  • Allows 5 Free Checks Paid; $.50 Per Check Above 5 Per Statement Cycle
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Interest Checking

  • Minimum $25 to open
  • Minimum Balance of $1,000 to avoid a $10 Monthly Fee
  • $1.00 Per Foreign (non Merchants Bank) ATM Transaction If Average Balance falls below $2,500
  • Free For First 10 Bill Payments; $.50 For Each Payment Over 10 Per Statement Cycle
  • See Rates Page For Current Rates and Tiers
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49 Plus Checking

  • Designed for those over 49 years of age
  • Minimum $25 to open
  • No Balance Requirement
  • $10 Monthly Fee Without Monthly Direct Deposit
  • First 3 Foreign (non Merchants Bank) ATM Transactions Are Free; $1.00 Per Transaction Over 3 Per Statement Cycle
  • Free For First 10 Bill Payments; $.50 For Each Payment Over 10
  • One Free Order Of Basic Checks Every 12 Months
  • See Rates Page For Current Rates and Tiers
  • First Year Free on Standard Safe Deposit Box or 25% Annual Discount On A Larger Box
  • No Charge For Overdraft Protection Transfer From Another Deposit Account
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Relationship Checking

  • Minimum $25 to open
  • No Balance Requirement
  • $10 Monthly Fee Without Monthly Direct Deposit
  • First 3 Foreign (non Merchants Bank) ATM Transactions Are Free; $1.00 Per Transaction Over 3 Per Statement Cycle
  • Free Bill Pay
  • One Free Order Of Basic Checks Every 12 Months
  • See Rates Page For Current Rates and Tiers
  • First Year Free on Standard Safe Deposit Box or 25% Annual Discount On A Larger Box
  • No Charge For Overdraft Protection Transfer From Another Deposit Account
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