Treasury Management

Explore Our Treasury Solutions

As one of Michigan’s largest community banks, Mercantile Bank offers a full range of services designed to meet the needs of local businesses. We’ve listened closely to our customers and developed a comprehensive, integrated approach to commercial banking that helps save time and streamline operations.

See how Stafford-Smiths transition to Mercantile Bank was effortless and seamless by viewing their story. As David Stafford, CEO of Stafford-Smith, Inc., shared: "To say partner is a big word, you know, in business, but this is a true partnership."

Receivables

Discover how Mercantile Bank's Receivables Management solutions can streamline collections, improve cash flow, and enhance efficiency.

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Payables

Explore Mercantile Bank's Payables Management solutions to optimize your payment processes, enhance cash flow, and boost efficiency.

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Fraud Mitigation

Explore Mercantile Bank's Fraud Mitigation solutions to safeguard your business from financial threats and enhance security.

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International

Uncover Mercantiles International solutions to facilitate global transactions, manage currency risk, and support growth.

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Sweeps

Discover Mercantile Bank's Sweeps solutions to automate fund transfers, optimize cash flow, and enhance financial efficiency.

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Frequently Asked Questions

What are the ACH Transaction Cutoff Times?
- ACH Payments
  - 5:00 PM EST
- Same Day ACH Payments
  - 2:00 PM EST
    Per transaction limit is $1,000,000 per transaction.
What is the Online Account Transfers Cutoff Time?
What are the Online Wire Transfer Cutoff Times?
- Outgoing Wire Transfer in Online Banking
  - International - 5:00 PM EST
    
    International Wires powered by PayRecs - 24/7, settlement is done the next available business day based on time zones.
  - Domestic - 5:30 PM EST
- Outgoing Wire Transfer in Branch or through Wire Department
  - International - 3:00 PM EST
  - Domestic - 3:30 PM EST
- Incoming Wire Transfer
  - Received from the Fed by 6:30 PM EST will be posted same day.
What is the Positve Pay Decision Time?
- Positive Pay Decisions
  - 1:00 PM EST
What about other payment types and receivables? What are their cutoff times?
- Bill Pay
  - 3:00 PM EST
- Remote/Mobile Deposit (RDC)
  - 5:00 PM EST
- SmartPay Payment Portal
  - 3:00 PM EST

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Sat. from 9am - 1pm

Call (800) 453-8700

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Explore Our Treasury Solutions

Receivables

Payables

Fraud Mitigation

International

Sweeps

Frequently Asked Questions

What are the ACH Transaction Cutoff Times?

What is the Online Account Transfers Cutoff Time?

What are the Online Wire Transfer Cutoff Times?

What is the Positve Pay Decision Time?

What about other payment types and receivables? What are their cutoff times?

Contact Treasury

Have questions? Merc is here to help.

Let's Chat

Find a Location

Call Us

Schedule an Appointment

Treasury Management

Explore Our Treasury Solutions

Receivables

Payables

Fraud Mitigation

International

Sweeps

Frequently Asked Questions

What are the ACH Transaction Cutoff Times?

What is the Online Account Transfers Cutoff Time?

What are the Online Wire Transfer Cutoff Times?

What is the Positve Pay Decision Time?

What about other payment types and receivables? What are their cutoff times?

Contact Treasury

Have questions? Merc is here to help.

Let's Chat

Find a Location

Call Us

Schedule an Appointment

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