You have questions? We have answers.

Top Questions

  • The routing number for Mercantile Bank is: 072413829

  • Yes. You can order checks online when you login to Online Banking and in the Services section of the menu choose check reorder.

  • Lost or Stolen Debit/ATM Cards

    During Bank Hours: 800.453.8700

    During Non-Bank Hours: 844.646.5468

    Lost or Stolen Credit Cards:

    During Bank Hours: 800.453.8700

    During Non-Bank Hours: 866.839.3485

  • The Online Banking System allows you 3 logon attempts to the system before it will lock you out. When you login, you can click the box for "Forgot Password" and you will be sent a new Secure Access code to proceed. Once you have successfully entered that code, you can enter a new password. If you are locked out, please contact the Mercantile eBanking Department at 800.453.8700.

  • MercMobile, MercCards, Merc mRDC, Merc Mobile Mortgage

  • When you login to Online Banking, select the Statements and Notices link within the Accounts section. You will then need to enter a code to proceed.

  • By informing us of your travel and/or purchase plans, we can work to ensure that you are able to use your debit card without the fear of having your transactions declined.

    • Call us during normal business hours at 800.453.8700.
    • Send us a secure message with your account and travel details.
    • Stop into any branch location.
    • Send us a secure message when logged into Online Banking.
  • Yes, visit our mortgage loan center to access our online application.

Quick Links

Mobile Wallet FAQ's
Online Banking Guides
Online Banking FAQs
Personal Loans FAQs
Mortgage Loans FAQs
FDIC - Money Smart


Customer Service Hours:
Monday - Friday 8:00am - 6:00pm Saturday 9:00am - 1:00pm
Call Mercantile at 800.453.8700

24-Hour Telephone Banking:

    • If you replace or update your device, your Mercantile Bank debit or credit card(s) will not be transferred automatically. You will need to set up or download the Wallet again and re-add your cards on the new device.

      If your device is ever lost or stolen, you can suspend or lock the Wallet, or call Mercantile Bank using the number found on the back of your card to suspend your cards. You can continue to make purchases using your physical card even when the Wallet has been locked or suspended.

    • If your card has been lost or stolen, call us immediately.

      • Credit Card: 866.839.3485
      • Debit Card: 800.472.3272
    • Purchases made with your Mercantile Bank credit and/or debit cards have protection for any unauthorized card transactions. This means that you will not pay for any unauthorized transactions as long as they are reported promptly. Certain limitations apply. Please see your cardholder agreement for complete details.

    • You can add multiple Mercantile credit and/or debit cards into the Wallet on multiple devices.

    • You will need to add the card to the Wallet as if it were new.

    • If you have more questions regarding Mercantile Bank products, please call 1.800.453.8700 during normal business hours.

      If you have more questions regarding any of the Wallet applications, please visit:

    • MercMobile® allows you to bank anytime, anywhere from your mobile phone. You can elect to use text banking, mobile app banking, or both, depending on your device and mobile service plan.

    • MercMobile® uses the same security features as internet banking (https, 128-bit SSL encryption, Secure Access Code).

    • We recommend you use our bank website to research which apps have been developed for the various devices which are supported. Below are the links for accessing these apps:

    • You must have a text plan to use text banking and a data plan to access browser banking.

    • Make sure you have the MercMobile app installed on your device and login as usual.

    • You may want to change your password, until you locate or replace your device. Just login to Internet Banking with your computer and go to Settings, Security Preferences.

    • For iPhone and Android users, you must remove the installed app from the old device, and then add it to the new one.

    • MercMobile® is free of charge, however, you may incur text or data charges from your wireless provider.

    • For mobile banking, you can just uninstall the app. To unenroll in text banking, login to Internet Banking and go to Settings, Text Enrollment, and toggle the On/Off button - you can also text "stop" to 226563.

    • Only 1 device can be used for MercMobile® text banking, however multiple devices can be used for MercMobile® app banking.

    • 1) Set up your account, 2) Add all accounts, 3) Categorize transactions, 4) Create budgets.

      1. Log in to online banking and find the link for "MercMoney" in the left menu. Accounts from Mercantile Bank will automatically begin syncing to MercMoney. Follow the instructions in the setup wizard to add your accounts with other financial institutions. Enter your profile information to complete the setup.
        Online Banking menu image
      2. When the initial setup is complete, open Accounts and verify that you have added all of your financial accounts. Add any missing accounts and manual accounts for property, like homes or vehicles. You can also create manual accounts for accounts that are not supported or are broken. See "How do I fix an account that is ‘broken’?"
      3. After all of your accounts have been added, open Transactions and review your transactions for accuracy. Transactions are automatically categorized for you, but they are not always accurate and may need to be re-categorized. Your changes will be applied to future transactions. You may want to enter additional details about your transactions; see "How do I manage my transactions?"
      4. With your transactions correctly categorized, you can easily create budgets based on your actual spending history. Open Budgets and follow the instructions to generate a budget. You can also create budget manually. See "How do I create a budget?"
    • Login to Internet Banking from a desktop or mobile device and choose MercMoney from the Navigation menu.

    • Open Accounts and click on the + icon. Type the name of the institution to search our database, then select the correct option from the list and enter your login credentials.

      If the institution is not supported, you can add and manage your accounts manually. This will require that you periodically edit your account to update the balance. See "How do I edit an account?" Entering manual transactions will also update your balance accordingly. See "How do I add a transaction?"

    • It depends on the institution, but you will usually need to add each account separately. This means that if you have 3 accounts with an institution, such as checking, a loan, and a credit card, you will need to enter your login credentials for that institution for each account.

    • Open Accounts and click on the account you wish to change. This opens the account detail view where you can change an account name, type, and interest rate. You can also edit the account balance of manual accounts.

    • Not all institutions are able to send us that information. You should always check your loan details to make sure they are correct in MercMoney.

    • Open Accounts and click on the account you wish to delete. Click on the trashcan icon and confirm your decision to delete the account. You cannot delete an account from your primary institution, so the trashcan icon will not be present.

      Note that deleting an account also deletes all historical balance and transaction data associated with that account. Do not delete an account unless you are sure you are okay with losing all associated data.

    • No, so only delete an account if you're okay with losing all history for that account. Otherwise, try adjusting the Show/Hide account settings for the account instead. Also, know that if you delete an institution, all accounts under that institution will also be deleted.

    • From Accounts, broken accounts will be displayed with an exclamation point in red over the top right corner of the account name. Click on the "broken" account to open the account detail view, then click on the red bar across the top to attempt aggregation again. You may be required to re-enter your login credentials.

      If the account continues to fail:

      1. Login to the financial institution's online banking to verify your login credentials are correct and that there are no holds on the account preventing you from signing in.
      2. Add the account again, and pay special attention to the URL to make sure you are attempting to add the correct financial institution. Many institutions have similar names and websites.
      3. Contact Online Support, M-F 8:00am - 6:00pm and Saturday 9:00am - 1:00pm at 1.800.453.8700 . See "How do I get help?"
    • There are many types of online banking accounts, and not all are compatible with common aggregation methods. MercMoney utilizes multiple aggregation sources and uses an aggregation engine to provide the best possible coverage, but when an unsupported institution is encountered, a manual account can be created in the Accounts widget.

    • Yes! Open Accounts, click on the Cash or Property account types on the left, then click on the "+" icon in the menu bar. Change the account type and enter your account details, then click "Create This Account".

      You will need to update this account manually by updating the balance and entering transactions periodically.

    • Open Accounts and click on "Property" from the list of account types on the left. Then click on the "+" icon in the menu bar. Enter the account details and click "Create This Account".

    • Manual transactions can only be added to manual accounts. Transactions associated with linked accounts will be imported automatically when you sign on. To add a manual transaction, open Transactions and click on the "+" icon in the menu bar.

      Select a manual account from the dropdown menu, enter the transaction details, and click on "SAVE TRANSACTION".

    • Click on a transaction to open the transaction detail view. To categorize a transaction, click on the category field of the transaction line and select from the dropdown menu. You can also edit other transaction details like payee description, tags, flags, and memos, as well as split a transaction from this view.

    • When transactions are imported, they are auto-categorized based on how you and other users have categorized similar transactions. When you change a transaction category, MercMoney will remember your preference for next time.

    • The transactions list provides an easy way to review or find transactions from any account, over any time period. You can use the date range selector to determine what time frame the transactions represent, or you can use the search field to filter by payee, account, tags, amount, category, or date.

      You should always take a moment to review newly imported transactions. Not only does this help you keep track of your spending, but will also help you to quickly identify fraudulent charges. When reviewing your transactions, make sure you recognize the transaction, and verify that it is categorized correctly.

      To view more or edit detail on a transaction, just click on it. You can customize your transactions using the following features:
      • Category - Categorize transactions so your spending will be accurately reflected in Spending and Budgets. Click on the category field and select the correct category from the dropdown list.
      • Flags - Flag a transaction "B" for business-related, "P" for personal (default), or mark it with a flag to make it stand out in the transaction list.
      • Tags - Create custom tags to label transactions for searching. For example, you may wish to tag tax-related expenses, or expenses related to a vacation or family goal.
      • Memo - Add a memo when you need to remember special details about a transaction.
      • Split - Split a transaction between multiple categories to account for specific amounts in Spending and Budgets.
    • MercMoney will import 90 days of transaction history from your primary institution. The amount of data that will be imported from other institutions depends on the institution.

      After the initial account setup, MercMoney will pull new transactions from the last 30 days, so you must sign in at least once every 30 days to avoid creating a gap in your data.

    • MercMoney will save your history for as long as you keep your account with Mercantile Bank.

    • Click on the transaction you wish to change to open the transaction detail view, then click on the category field to view a list of existing categories. You are able to create a custom subcategory beneath any of the main categories, but you cannot create a new main category. Hover over the main category your custom subcategory will belong to, then click on "+ Add A Category" in the side menu. Name your subcategory and click "+ Add" to confirm.

    • There is a special category called "Transfer" for loan payments and transfers that will exclude those transactions from Spending and Budgets.

      A word on loan payments - All loan payments have two transactions: the negative transaction of money leaving your bank account, and the positive transaction of money paid towards the debt, decreasing what you owe. (Note: This is not the case with credit cards. Keep reading to see more on credit cards.) The negative transaction should be categorized as the expense, so your budget will reflect your spending on that category. The positive transaction should be categorized as a transfer, so it does not void the expense of the loan payment.

      For example: The negative transaction of a mortgage payment would be categorized as Home: Mortgage & Rent, and the positive transaction would be categorized as Transfer: Mortgage Payment. You can create custom subcategories for all of your loan payments if you wish.

      A loan payment essentially is a transfer. The money leaves your bank account, but you then own that much more of the asset associated with the debt, like a home or car. Credit cards are different, because there is no asset associated with the debt. A credit card payment is repayment for money borrowed, on transactions already accounted for in your budget. If you actively use your credit card, payments on that card should be categorized as Transfer: Credit Card Payment. If you are paying off your credit card, and would like to track your progress in Spending and Budgets, see "How do I budget for paying off debt?"

    • If you are working on paying off a credit card, congratulations! We recommend that you create a custom subcategory to track your progress, such as Bills & Utilities: Credit Card Payoff. This will allow you to see in Spending and Budgets how much you have spent towards paying down that debt.

      It is recommended that you do not use your card for purchases while you are paying it off. Not only will it be easier to stick to your goal if you just don't use the card, but it is more difficult to account for your credit card payoff if you are actively accruing debt on the card.

      If you must use your credit card while you are paying it off, you can split the transaction between Transfers: Credit Card Payment for the portion that pays back what you spent, and Bills & Utilities: Credit Card Payoff for the amount that will be applied to the previous balance.

      If you also want to track separately how much of your credit card payment is applied to interest vs. what you owe, see "How do I account for interest paid on a loan?"

    • Some institutions send a separate transaction for principle paid and interest paid on a loan, but some institutions only send a single transaction for the total amount paid. If your institution sends a single transaction for principle + interest paid, you can split the transaction.

      Click on the transaction to open the detail view, and click on "+ Split This Transaction" at the bottom. Use the Fees and Charges category to track your interest paid. You can add a custom subcategory for all your loan payments if you wish. You will need to obtain the amount spent on interest vs. principle from your financial institution.

      Note: The debt account balance will always be accurate, as the institution sends us the remaining balance regardless of the transaction is displayed.

    • The Spending Wheel displays your spending across all categories for the time period selected. Use the date range selector to specify what date range you would like to view.

      You can click on a category from the list, or in the wheel, to view your subcategory spending. Then click the center of the wheel or from the list to view the specific transactions in the selected subcategory.

      Note: Your transactions must be categorized for the Spending Wheel to show actual spending. If your spending in a given category looks wrong, review your transactions for inaccuracies.

    • Open Budgets, click on the "+" icon in the menu bar, and select a category from the dropdown menu.

    • Budgets can help you track and control your spending in select budget categories. You can use budgets to track all of your regular household expenses, or just specific categories that you want to monitor more closely. Budgets are useful for setting and working towards financial goals, or simply being more aware of your spending habits.

    • Review your transactions to make sure they are categorized correctly. A "missing category" is caused by a large income transaction that has been categorized inappropriately.

    • Click on the gear icon in the menu bar to open Settings, and then click on the Alerts tab. Click the envelope icon next to each alert you want to receive.

    • Click on the gear icon in the menu bar to open Settings, and then click on the Profile tab.

    • Click on the gear icon in the menu bar to open Settings, and then click on the Mobile Devices tab. Enter your old password, choose and confirm your new password, and click "Change Password" to save.

    • Absolutely. Industry leading encryption technology is used to protect your data. MercMoney places your privacy and security as its highest priority. The MercMoney desktop applications are as secure as your regular home banking.

    • Click on the "?" icon in the menu bar to open the help options. You can watch a tutorial on the widget you're using, search our knowledge bank for answers, or submit a support request.

      To get help from an iPhone or iPad, open Settings and tap on "Feedback".

    • Email and print functionality is currently available exclusively on the iPad MercMoney mobile app.

    • Browser support will vary based on the browser version. More than 74% of all Internet users now use a modern browser like Google's Chrome where less than 14% still use limited browsers like Internet Explorer 7 and 8 because of their inability to take advantage of the newest features. If your browser is incompatible, the software will alert you and ask you to upgrade.

    • Yes. The IRS sets limits each year regarding how much an individual can contribute to an HSA.

    • Mercantile offers a number of options for making contributions to your HSA:

      • Set up direct deposit contributions through your employer
      • At an ATM using your Mercantile HSA Debit Card
      • Online by logging into your Mercantile personal online banking and scheduling a transfer from another Mercantile account or an external transfer account
      • In person at any of our branch locations
      • By mail with an HSA Contributions Instruction Form to HSA Support
    • Previous year contributions can be made from January to the April tax filing deadline of the following year. To make a previous year contribution, please complete the HSA Contribution Form and mail it to the Bank along with your check or visit any branch to complete the form and deposit in person. Please note - any wire, ACH or Internet Banking transfers, or other electronic deposits will always be coded as current year contributions and you must notify the Bank and complete the HSA Contribution Form to ensure your deposit is coded properly.

    • There are daily transaction limits on your Mercantile HSA Debit Card. If you have to make a payment with your debit card that will exceed your daily limit, please contact an HSA specialist so that we can assist you with a temporary limit increase.

      • $305 withdrawal limit at an ATM
      • $1,000 Debit-PIN purchase limit
      • $3,500 Credit-Signature purchase limit
    • Contact your employer to request that a portion of your payroll be direct-deposited to your Mercantile HSA.

    • It depends how you select to open your HSA.

      • Online: 15 minutes
      • In person: 20-30 minutes
      • By mail (paper application): 4-5 business days
    • If you apply online, simply complete the online account application. If you apply in person or by mail, you will need to complete our HSA Enrollment Form and Signature Card.

      Additional forms may be required if you elect to transfer or rollover funds to your Mercantile HSA.

    • You can access your HSA online if you are enrolled in internet banking. If you did not receive a Login ID or Password for internet banking, contact an HSA specialist for assistance.

      Once you have a Login ID and Password, go to and log into Personal Internet Banking to view your account information.

    • You may contribute to your HSA as soon as you are eligible. Once you´ve contributed to your HSA, you may begin using the funds to pay for qualified medical expenses.

    • Mercantile offers a number of options for making distributions from your Mercantile HSA:

      • Use your Mercantile HSA Debit Card to pay bills and pay for expenses at the doctor´s office or pharmacy
      • Purchase and write checks from your HSA
      • Visit any Mercantile Bank location and withdrawal funds from your HSA to pay for medical expenses
      • Complete an HSA Distribution Form and request a check to be mailed to you
    • Yes, however the money you spend for these expenses does not count toward your deductible.

    • Always present your insurance card before paying for a medical expense to ensure the expense is submitted to your insurance company.

      All doctor´s office, emergency room and medical visits should be billed to your insurance company before you pay any expenses. Wait until you receive your insurance statement showing any balances owed before you pay an expense. Your insurance company will keep track of funds that had to be paid by you and will accrue those totals to determine your deductible balance.

      Prescription costs are also submitted to your insurance provider so that those costs can also be tracked toward your deductible.

    • Your Mercantile HSA Debit Card should only be used to pay for qualified medical expenses or to reimburse yourself for qualified medical expenses paid out-of-pocket. Purchases made for non-qualified expenses are subject to income tax and IRS penalties and should be reported in your annual income tax filing.

    • If you used your Mercantile HSA to pay for a non-qualified expense in error, you may be eligible to fix the error and return the funds to your HSA. Please contact one of our HSA specialists for assistance.

    • Your HSA checking account balance accrues interest daily and interest is paid monthly.

    • Unfortunately, you cannot combine HSA funds owned by two different individuals. If you combine funds from HSAs owned by two different individuals, you could be penalized by the IRS.

    • Funds in your HSA roll over from year-to-year and continue to accrue interest.

    • Funds in your HSA belong to you and are independent of your employer. You may continue to use the funds to pay for qualified medical expenses tax-free. However, you can only continue to contribute to the HSA if you continue to participate in a qualified High-Deductible Health Insurance Plan after you leave your employer.

    • You can continue to use the funds in your HSA to pay for qualified medical expenses tax-free after you have retired. When you enroll in Medicare, you can use your HSA funds to pay Medicare premiums, deductibles, co-pays, and coinsurance under any part of Medicare.

      When you reach age 65 or older, you may also use the funds in your HSA for non-qualified expenses; however, non-qualified expenses distributed from your HSA are subject to income tax should be reported in your annual income tax filing, but are not subject to IRS penalties.

    • The funds in your HSA will be passed on to the beneficiary(ies) you named when you set up your Mercantile HSA.

    • You'll need to complete IRS form 8889. Mercantile will send a number of documents to you with information regarding your HSA that you can use to complete your taxes.

      • Your December HSA statement will include a year-end summary of recorded contribution and distribution amounts.
      • 1099-SA forms are mailed in January and will disclose the total amount of distributions recorded for the year.
      • 5498-SA forms are mailed after April 15th and will disclose the final total of contributions made to your HSA for the year.
      • These forms are mailed after April 15th because you are allowed to make Previous Year contributions to your HSA up until the tax-filing deadline.
    • TurboTax will ask if you contributed to or took distributions from an HSA. If you select "yes", you will be prompted to enter the required HSA information such as contribution and distribution totals. When finished, IRS Form 8889 will be completed with the other tax documents necessary to file your taxes.

    • Contact an HSA specialist and we would be happy to provide you with the information that you need to complete your taxes.

    • Personal Users

      For more information on Online Banking features and functionality, please use the Help option from the main menu within Online Banking. For additional assistance, please contact us at 800.453.8700 during normal business hours.

      Privacy & Security

    • Business Users

      For more information on Online Banking features and functionality, please use the Help option from the main menu within Online Banking. For additional assistance, please contact us at 800.453.8700, option 2 during normal business hours.

      Privacy & Security

      Business customers interested in enrolling for internet banking, please call Online Support at 800.453.8700 during normal business hours.