Personal Banking /

Checking

A range of options for your unique needs.

Mercantile is the bank that focuses on you — your responsibilities, your goals, your dreams for the future. We offer a wide range of personal deposit account options to help meet your unique needs.

Features and Benefits

24 Hour Access

 

Budgeting Tool

 

Mobile Banking

 

Personal Payments

 

Overdraft Protection

 

Mercantile Checking Account Options

High Yield Checking

Designed for those who are looking to maximize interest by maintaining a slightly higher minimum balance.

Minimum Opening Deposit
$25
Recurring Fee
The $12.00 monthly service fee can be waived by maintaining a $2,500.00 average monthly balance
Interest paid
Interest is paid on balances of $2,500.00 and above

MercPerks Checking

Mercantile's MercPerks Account is designed to maximize savings and security. MercPerks benefits include; Ultimate ID® identity theft solution, travel benefits, discounts on entertainment, cell phone protection and cash back rewards from over 3,000 online merchants.

Minimum Opening Deposit
$25
Recurring Fee
$7.95 monthly or $90.00 annually*
Interest paid
Interest is paid on balances of $1,000.00 and above

*Optional annual fee payment method; requires signed enrollment form. Refunds of annual fee will not be given if account is closed or converted to a new product.

Community Checking

A simple account that meets your basic needs. Three options available to avoid the monthly service charge.

Minimum Opening Deposit
$25
Recurring Fee
The $5.95 monthly maintenance fee can be waived by enrolling in estatements through online banking or by maintaining an average balance of $1,000 per statement cycle. The monthly maintenance fee will also be waived for any Active Military or Military Veterans (valid documentation will be required).

Senior Community Checking

A free account for customers age 62 or older that includes two complimentary orders of Mercantile logo checks per year.

Minimum Opening Deposit
$25

MercStart Account

An account designed for students age 13 to 17 that provides the convenience of a traditional checking account while encouraging healthy banking habits.

Minimum Opening Deposit
$25
Recurring Fee
$4.95 fee waived until the primary owner turns age 18

This account requires a parent or legal guardian to be a co-owner until age 18.

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