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Regular Checking | Super NOW Checking | 49+ Checking | One Click Checking | Grad 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.

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Regular Checking offers no monthly service fee if your average balance remains at or above $500 for the entire statement cycle. If you average daily balance falls below $500 in the statement cycle, your account is assessed a $6.00 service fee for that cycle.

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Super NOW Checking accounts pay interest and are designed for customers who keep large daily balances on their checking accounts. With a Super NOW account you receive interest each day as long as your balance remains at $1,000 or above. If your daily balance falls below $1,000 you will be assessed an $8.00 service fee for the statement cycle. A minimum $1,000 initial deposit is required to open a Super NOW checking account.

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49Plus Checking is designed for our customers who are 49 years or older. Although 49 Plus Checking requires direct deposit, there is no service fee or minimum daily balance requirement and you receive interest on daily balances of $1,000 or more. You are also entitled to a host of other banking services including:

  • FREE 49Plus Checks

  • FREE Checks, Money Orders and Cashier’s Checks

  • FREE Direct Deposit (required)

  • FREE Master Money ATM/Check Card

  • FREE Financial Analysis with an MNB Investment Services financial advisor

  • FREE One Click Online Banking

  • .10% added to an MNB CD rate during it’s initial term (excludes promotional CD rates)

  • .25% discount on a new MNB secured consumer loan with auto pay from your 49 Plus checking account

  • 25% discount off our regular rental rate for an MNB safe deposit box
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One Click Checking is designed for our customers who prefer to bank electronically. With NO MINIMUM BALANCE and no monthly service charge, One Click Checking makes it easy for customers who find it convenient to bank online, through an ATM/Check Card or via direct deposit. Plus it offers many other great features such as:

  • FREE Master Money ATM/Check Card

  • FREE Online Banking

  • FREE Online Bill Pay (up to 10 bills per month)

  • FREE First order of 50 checks

  • FREE Direct Deposit (required)

  • FREE Financial Analysis with an MNB Investment Services financial advisor

  • .25% discount on a new MNB secured consumer loan with auto pay from your One Click checking account.
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Grad Checking Account is designed for students who graduated from high school and immediately continued their education by attending a post secondary education school or college, or for high school graduates who open their account and enter the workforce within one year of their high school graduation. There is no minimum balance required and no monthly service fee. In addition the Grad Checking Account offers the following great benefits:

  • FREE First Order of Grad Checking Account Checks

  • FREE Master Money ATM/Check Card

  • FREE Online Banking
Visit your local branch for details
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