Online Services for Business

Bank anywhere with state-of-the-art technology solutions.
  • Give yourself the freedom to bank whenever and wherever it's most convenient for you. Sign up for Online Banking to access your accounts 24 hours a day, 7 days a week, from your home or office computer. It's simple, secure and FREE!

    Features

    • View real-time account balances
    • Perform real-time transfers, loan payments and stop payments
    • Search history by check number, amount or date range
    • Export history to personal finance software such as Quicken® and QuickBooks®
    • View check images
    • View Mercantile Bank credit card balances &history
    • View checking, savings, loan and credit card statements
    • Transfer funds to make credit card payments
    • Re-order checks
    • Change password after lockout and establish personalized user ID

    FAQsDisclosures

  • MercMobile® puts the power to bank anytime, right in your hands. You can access your account information, transfer money, deposit checks, and even pay bills. And all you need is a cell phone. Depending on your cell phone capabilities and banking needs, you can use SMS text mobile banking, mobile app banking, or both. And you can do it all for free.

    If you are enrolled in Internet Banking, download the app and login with your login credentials. To enroll in Text Banking, go to Settings, then Text Enrollment.

    MercMobile® uses the same encryption and security technology that we use for Internet Banking

    *MercMobile® requires that SMS and/or a data plan be enabled on your phone. SMS and/or data charges may apply, please check with your wireless service provider for availability and fees.


    iOS App Android App FAQsText Banking

  • This online check deposit service allows you to convert paper checks into electronic images that have the same legal standing as physical checks. These images are then deposited securely to your account online, enabling funds to move from the check originator's account to your account saving you time and reducing your operational costs.

    Save time and reduce your operational costs

    Remote Deposit Capture allows your business to consolidate regional or national deposits into one account. You simply scan paper checks as they come into your office and securely transmit the scanned check images to Mercantile via the Internet.

    • Eliminates time-consuming need to prepare manual deposits and make daily trips to the bank.
    • Expedites check collection process so funds deposited from checks are available to your business by the next business day.
    • Best for businesses that have a large volume of transactions (more than 50 items per month).

    Helpful Resources

    Log On

  • Funds Manager allows you to see in advance which checks will clear your account(s) every night. This empowers you to make the necessary funds available to cover these checks.

    How It Works

    • Between approximately 11:00am and Noon each business day, you can go online to view the checks that will be cleared through your account(s) that night.
    • If necessary, you can transfer funds to cover these checks via Online Banking (before 7:00pm) or deposit funds at your local Mercantile branch (before 5:00pm).
    • We credit these funds to your account(s) before we clear the checks listed that morning and you avoid overdraft fees!
    • Funds Manager lists all checks presented through the Federal Reserve. It does not include ATM transactions, incoming/outgoing wires, or deposits made at a branch or through courier because these transactions are typically already factored into cash-planning forecasts.
    • Funds Manager monthly fees may apply. (If the service helps you prevent just one overdraft per month, it pays for itself!)

    When Funds Manager items have been processed the following will be displayed under the Funds Manager Total in Online Banking:

    • Funds Manager Total: Greater than 0 (ex. $10.00)= This tells you the total of all Funds Manager checks for that account. To calculate the end of day balance, you need to take the 'Available Balance' minus the 'Funds Manager Total'.
    • Funds Manager Total: Equals $0.00= This tells you that you do not have Funds Manager checks for this account today.
    • Funds Manager Total: N/A= This is displayed on all accounts before Funds Manager is updated. This will also be displayed if you do not have Funds Manager access for your accounts.
  • This add-on module to Internet Banking lets you go online to pay bills and taxes, make ACH payments, pay employees via direct deposit, and much more.

    Treasury Management Solutions