Online Services

Technology solutions brought to you by Mercantile.
  • 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!


    • 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

    Enroll Now FAQs Guides Disclosures

  • MercMoney™ is an online money management tool, securely integrated into online banking, that empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, auto categorization and debt management are just a few of the tools that make money think.


    • Account Aggregation - MercMoney™ gathers basic financial information from all of your financial accounts and organizes it in one place.
    • Bubble Budgets - MercMoney™ allows you to create relative budgets based off your actual spending history, income, debts, and expenses. Visualize and interact with your budgets in new and meaningful ways. Using circles, or "bubbles", to represent budgets allows you to quickly identify budgets that need the most attention. At a glance, you can determine a budget's health (color), significance (size) and progress (meter) relative to other budgets.
    • Expense Tracking - MercMoney automatically categorizes and tracks spending from your various financial accounts, allowing you to get powerful insights on where, when, and how you spend.
    • Debt Management - MercMoney™ has been designed to give you step-by-step instructions to help you get your debt under control. See all of your debts, along with corresponding balances and interest rates, in a simple view that gives you a clear picture of your financial situation.
    • Net Worth - Get a contextually accurate data visualization of your assets vs. liabilities. Quickly determine if you are moving in the right direction - and to what degree. Even the smallest changes are easy to see and place in context.
    • Transactions - Get down to the details! See all your transactions from your various financial accounts - in one place! Along with giving you the BIG picture, MercMoney™ allows you to drill down into your finances and take meaningful actions.


  • 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

  • Merc P2P is the ability via Mercantile Online Banking to make payments anytime, anywhere via the convenience of your phone, tablet, or desktop. All you need is the recipient's email address or cell phone number, no exchange of personal banking information is required. Once you send the payment, the recipient receives a text message and/or email confirming receipt of the funds. The service is powered by PayPal™, a payments network with over 78 million users worldwide. Mercantile Bank of Michigan was the first bank in the U.S. to offer this mobile payments platform using PayPal™.

    Merc P2P is free to use. All Mercantile Online Banking users automatically have access - no PayPal account is required for Mercantile users to send money.

    *Access to MercMobile® Personal Payments requires an active Mercantile Internet Banking profile. The service will be terminated if Internet Banking is deactivated.


    Why would I use MercMobile Personal Payments?

    Paying via the Merc P2P is instant and easy for anything "on the go" or "spur of the moment" - no need to find an ATM, no hassling with checks. So the possibilities are unlimited. Some common needs might be:

    • Split the tab at the restaurant/bar
    • Pay the babysitter, lawn service, house cleaner, etc.
    • Collect funds for causes - charitable donations, going in together on baby shower gifts, etc.
    • Purchases at garage sales, craft shows, eBay, home parties (candles, kitchenware, jewelry, etc.)
    • Pay the kids (at college, allowances, at the mall, etc.)

    How does it work?

    1. Select Menu, Transactions, P2P by PayPal.

    list of accounts

    2. Enter info and choose account.

    personal payments

    3. Submit!

  • Mobile Wallets are quickly becoming a more accepted and convenient method of payment for consumers wanting to use their mobile devices (smartphones, tablets, wearable devices, etc.) for purchases. Mercantile has partnered with multiple industry-leading Mobile Wallet providers bringing flexibility in choosing an option that best fits you. Mercantile cardholders can use Apple Pay, Android Pay, Samsung Pay,Visa Checkout, and PayPal to make purchases at a growing list of retailers and online merchants. At Mercantile, you can rely on us to offer the best Mobile Wallet solutions to meet your personal needs. And with our MercMobile® and MercMoney™ apps, you'll be able to do all your banking, track your purchases, and monitor your budget while on the go as well. It's that easy!*

    Why would I use a mobile wallet?

    Mobile wallets offer increased security. They're safer than carrying a credit card or cash in your wallet, because information stored in mobile wallets is encrypted, so the details of your credit card, for instance, aren't accessible to others. When mobile wallets transmit data to make payments, they never transmit your actual account numbers. Instead, they use encrypted payment codes. And your phone can't be opened without your fingerprint or a personal identification number, so getting to your data is much tougher than opening up your wallet.


    *The terms and account agreement that govern your Mercantile Bank Card do not change when you add your Mercantile Card to a mobile wallet (The Wallet). The Wallet simply provides another way for you to make purchases with the Mercantile Card. Any applicable interest, fees, and charges that apply to your Mercantile Card will also apply when you use the Wallet to access your Mercantile Card. Mercantile Bank does not charge you any additional fees for adding your Mercantile Card to the Wallet or using your Mercantile Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.

    Mercantile Bank is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you. We are only responsible for supplying information securely to the Wallet provider to allow usage of the Mercantile Card in the Wallet. We are not responsible for any failure of the Wallet or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third‐party relationships that may impact your use of the Wallet.

    If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your Mercantile Card, then contact us at: 1-800-453-8700.