Personal Checking, Savings & HSA

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

    24/7 Access
    24 Hour Access

    Online Banking with Bill Pay and Telephone Banking for 24 hour access.

    MercMoney
    Budgeting Tool

    MercMoney™, an online budgeting tool integrated with your online banking account that allows you to see all of your bank and investment accounts in one place.

    MercMobile Banking
    Mobile Banking

    MercMobile® Mobile banking gives you the freedom to access account information, transfer money, deposit checks and pay bills from a cell phone or other mobile device.

    MercMobile Payments
    Personal Payments

    MercMobile® Personal Payments powered by PayPal™, make payments anytime, anywhere, all from your smartphone.

    Overdraft Protection
    Overdraft Protection

    Overdraft Protection and Funds Manager can help prevent money mistakes.

    Student Account

    Mercantile's Student Account is a free account that gives you online and mobile features so you can bank how you want to, when you want to.

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    Simply Checking

    An account designed to maximize your convenience, savings and security with no minimum balance requirement and the ability to waive the $5.00 monthly maintenance fee by receiving estatements.

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    Community Checking

    A simple account that offers the convenience of free Mercantile Specialty Gray checks with a low minimum balance requirement.

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    Senior Community Checking

    A simple account that offers the convenience of free Mercantile Specialty Gray checks with no minimum balance requirement for those age 62 or older.

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    Interest Checking

    An interest bearing account that offers flexibility and interest paid on balances over $1,000.00.

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    High Yield Checking

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

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  • Features and Benefits

    24/7 Access
    24 Hour Access

    Online Banking with Bill Pay and Telephone Banking for 24 hour access.

    MercMoney
    Budgeting Tool

    MercMoney™, an online budgeting tool integrated with your online banking account that allows you to see all of your bank and investment accounts in one place.

    MercMobile Banking
    Mobile Banking

    MercMobile® Mobile banking gives you the freedom to access account information, transfer money, deposit checks and pay bills from a cell phone or other mobile device.

    MercMobile Payments
    Personal Payments

    MercMobile® Personal Payments powered by PayPal™, make payments anytime, anywhere, all from your smartphone.

    Student Savings

    Student Savings delivers a savings account that introduces young people to the benefits of banking as well as the unique benefits offered by Mercantile Bank. A parent or guardian must be a secondary owner of the account.

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    Community Savings

    A basic savings account designed to fit your savings needs.

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    IRA Savings/Beneficiary Savings

    A simple account to help you save for retirement.

    Account Disclosures
    Traditional IRA Disclosure Statement
    Roth IRA Disclosure Statement
    Simple IRA Disclosure Statement

    MercClub Savings

    A hassle-free way to save for vacations, the holidays or really anything. Make deposits at your convenience and your savings will be automatically be transferred into your companion account annually.

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    Money Market

    Offers easy liquidity along with tiered interest rates.

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  • Mercantile CDs

    Certificate of Deposit

    For maximum earnings potential over time. Certificate of Deposit IRA options are also available. Flexible maturities range from 1 month to 60 months.

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    Flex Certificate of Deposit

    This flexible savings option allows you a one-time "flex" in the interest rate you earn. If interest rates rise during the term, at your direction we will change the existing rate to the current Flex CD rate for the remainder of the term.

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    Add-To Certificate of Deposit

    This innovative savings option allows you to continue to add monty to your original deposit amount at the same great interest rate.

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  • Features and Benefits

    24/7 Access
    24 Hour Access

    Online Banking with Bill Pay and Telephone Banking for 24 hour access.

    MercMobile Banking
    Mobile Banking

    MercMobile® Mobile banking gives you the freedom to access account information, transfer money, deposit checks and pay bills from a cell phone or other mobile device.

    HSA Debit Card
    HSA Debit Card

    Tap into your Mercantile Health Savings Accounts for health care expenses

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    Health Savings Account - Individual

    An interest-bearing checking account to be combined with an individual high-deductible health plan (HDHP).

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    Health Savings Account - Family

    An interest-bearing checking account to be combined with a family coverage high-deductible health plan (HDHP).

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    Health Savings Account - Certificate of Deposit

    An HSA account with higher earning potential over time.

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    Health Savings Account - Investment Account

    For HSA account holders who do not plan to spend their HSA funds on eligible medical expenses in the near future and wish to invest for long-term savings.

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    *Investment options are Not FDIC Insured, May Lose Vale and are Not Guaranteed by the Bank.