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Personal Checking Accounts

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

All of our checking accounts include:

  • Minimum Opening Deposit of $25
  • Unlimited check writing — no per-check fee
  • FREE ATM and Debit Cards
  • Up to four (4) non-Mercantile foreign ATM fees are reimbursed per cardholder, per calendar month
  • FREE Online Banking with Bill Pay and Telephone Banking for 24 hour access.
  • FREE MercMoneyTM, 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.
  • FREE 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.
  • FREE MercMobile® Personal Payments powered by PayPal™, make payments anytime, anywhere, all from your smartphone.
  • Overdraft Protection and Funds Manager can help prevent money mistakes.

Mercantile Checking Account Options

Account Type Description Minimum Balance Fees Interest Apply

Simply Checking

Account Disclosures

An account designed to maximize your convenience, savings and security. No minimum balance The $5.00 monthly maintenance fee can be waived by receiving eStatements. N/A
Apply Now

Community Checking

Account Disclosures

A simple account that offers the convenience of free Mercantile Specialty Gray checks with a low minimum balance requirement. $500.00 average monthly balance. The $5.00 monthly service fee can be waived by maintaining a $500.00 average monthly balance.
N/A Apply Now

Senior Community Checking

Account Disclosures

A simple account that offers the convenience of free Mercantile Specialty Gray checks with a low minimum balance requirement - at least one account holder must be age 62 or older. No minimum balance N/A
N/A Apply Now

Interest Checking*

Account Disclosures

An interest bearing account that offers flexibility and interest paid on balances over $1,000.00. $1,000.00 average monthly balance. The $10.00 monthly service fee can be waived by maintaining a $1,000.00 average monthly balance. Yes Apply Now

High Yield Checking*

Account Disclosures

Designed for those who are looking to maximize interest by maintaining a slightly higher minimum balance. $2,500.00 average monthly balance. The $12.00 monthly service fee can be waived by maintaining a $2,500.00 average monthly balance. Yes Apply Now

Disclosure: Additional fees may apply. Account terms are subject to change.

Overdraft Protection

Protect yourself from unexpected cash-flow shortages and help prevent overdraft fees. Two overdraft protection options are available, a line of credit or a savings account. With both, a transfer of funds is made to the checking account to cover overdrafts & help avoid overdraft fees. It is best for individuals who want protection against unexpected cash-flow shortages and overdraft fees.

Line of Credit ODP Features:

  • Available to qualified applicants.
  • No per-transfer charge.
  • Protection ranges from $500 to $5,000.
  • Minimum monthly payment of $20 or 2% of the outstanding balance, whichever is greater. A billing statement is sent monthly but the payment is auto-deducted from the attached checking account.

Savings ODP Features:

  • Low $5 per-transfer charge.
  • Transfers in $100.00 increments to the checking account.
  • Up to six (6) transfers from your savings account are allowed per monthly statement cycle.