Introducing MercMoney®

The future of banking is here, and it talks back.

MercMoney® is your free virtual private banker. Get all your banking questions answered anytime, anywhere, by leveraging the power of voice and messaging.

Mercantile Bank trusted security.

Your financial data is safe, secure, and never shared with 3rd parties.

Messenger

To set up MercMoney® on Messenger, simply on your phone, search for "MercMoney" and start chatting!


Not currently using MercMoney? Just click the MercMoney tab within Online Banking to get started!

Google Home

To talk to MercMoney® on Google Home, simply say "OK Google, talk to MercMoney" to your Google Home device. You'll have to authenticate with your Mercantile account the first time using it.


Not currently using MercMoney? Just click the MercMoney tab within Online Banking to get started!

How much did I make this month?
You earned $3,752.43 from income in December.

Amazon Alexa

Coming soon! With MercMoney® on Alexa you can check up on the status of your budget, recent transactions, and account balances. to be notified when we launch Alexa.


Not currently using MercMoney? Just click the MercMoney tab within Online Banking to get started!

What are your opening hours today?
Branches are open from 9am until 5pm today.

SMS

Text "Hello" to 48131 and then click the link sent to your phone. After you connect and log into your Mercantile account, you can start chatting with MercMoney®.


Not currently using MercMoney? Just click the MercMoney tab within Online Banking to get started!

  • Messenger
  • Google Home
  • Amazon Alexa
  • SMS

You have questions? We have answers.

FAQs

General

What questions can I ask with MercMoney®?

You can ask MercMoney® general questions about finance and banking, such as "What is principal?" or "Where is the nearest Mercantile branch?" as well as specific questions about your account, such as: "What's my account balance?", "List my recent transactions", or "How much do I have left in my grocery budget this month?"

What benefits do I get using MercMoney®?

It's accessible whenever you need it, through SMS, Messenger, Google Home, or Alexa. Get answers to your banking and account questions and better manage your financial life with just a few taps on your phone or a voice command.

When can I access MercMoney®?

You can access MercMoney® any time! As long as you have an online banking account with Mercantile, simply sign into your account using any of the chatbot channels (Messenger, SMS, Alexa, Google Home) and you're good to go. That's the beauty of the bot.

How many accounts can I add to MercMoney®?

As many as you'd like! There's not a limit to the amount of accounts you can add.

How do I get started using MercMoney® with SMS?

Text "Hello" to 48131 and then click the link sent to your phone. After you connect and log into your Mercantile account, you can start chatting with MercMoney®.

How do I cancel, stop, or delete MercMoney® using SMS?

The MercMoney® Chatbot is purely responsive and only engages with you when prompted. To delete the history of your interaction with MercMoney®, simply delete the conversation from your SMS application.

How do I get started using MercMoney® on Messenger?

To set up MercMoney® on Messenger, simply open the Messenger app on your phone and search for "MercMoney" or click the Compose icon and type "MercMoney". Then you can start chatting with MercMoney®.

How do I cancel, stop, or delete the MercMoney® Chatbot using Messenger?

To delete your MercMoney® conversation, go to your inbox on Messenger, lightly hold down on MercMoney® for 1 second and click "Delete Conversation".

How can I get in touch with Messenger's support team?

Open the Messenger app on your phone and click your profile icon in the upper left corner. Scroll to the bottom and click 'Help' to be taken to Messenger's Help Center.

How do I set up MercMoney® on Alexa?

To chat with MercMoney® on Alexa, open your Amazon Alexa app on your phone and search for "MercMoney" in your skills section. Click "Enable" and it will guide you through activating the skill. Then say, "Alexa, open MercMoney."

How do I cancel, stop, or delete the MercMoney® Chatbot on Alexa?

To delete the MercMoney® Skill from Alexa, open your Alexa app on your phone and click the menu bar in the upper left corner. Click Skills, then click "Your Skills" in the upper right corner, and then click MercMoney®. Once you've reached the MercMoney® skill, click "Disable Skill".

Where can I find support for Alexa?

To communicate with Alexa Support, click the menu bar in the upper left corner in the Alexa app on your phone. Then click 'Help & Feedback' and scroll down until you see the 'Contact Us' section. From there, you can email or call customer service.

How do I set up MercMoney® on Google Home?

To talk to MercMoney® on Google Home, simply say "Google, talk to MercMoney" to your Google Home device. On your first time, you'll have to connect your Mercantile account.

How do I cancel, stop, or delete MercMoney® on Google Home?

Since Google doesn't enable or download their voice Actions, you don't need to do anything to deactivate the Action.

How can I contact a Google support representative?

After opening the Google Home app on your phone, click the menu bar in the upper left corner, and select the 'Help' button.

What are some things I can ask MercMoney?

You can ask MercMoney all sorts of questions about your money, including account balances, spending, savings, budgets, recent transactions and more. You can use this list to help get you started:
  • "What's my account balance?"
  • "What's my latest transaction?"
  • "Transactions for groceries"
  • "What's my net worth?"
  • "What was my income last month?"
  • "How's my spending?"
  • "What did I spend on restaurants last month?"
  • "How's my shopping budget?"
  • "What can I spend on groceries?"
  • "Where is the nearest ATM?"
  • "How far is the nearest branch?"
  • "What's my routing number?"
  • "What's a money order"
  • "How does a home refinancing loan work"

Security

Your security is central to Mercantile Bank, and is an integral part of all of our services, no matter what device you use to access your accounts. The MercMoney® Chatbot uses the same login as the online banking site, and your information is equally secure in the bot as on the online banking site.

How secure is MercMoney®?

We take the security of your personal and financial information very seriously. Your accounts through MercMoney® are connected with your standard login credentials, and all of your information is safely encrypted with 256-bit SSL. Our servers meet the security requirements of the most demanding organizations in the world. This applies for SMS, Messenger, Alexa, and Google Home. See below to learn more about Terms and Privacy for each channel.

How does this work?

The MercMoney® Chatbot is a way to connect with your MercMoney® account and access information through new channels of communication in addition to your online account. If you're already a Mercantile Bank customer with a MercMoney® account, it's as simple as logging into your account through the Chatbot. If you aren't a MercMoney® user yet, just click the MercMoney® tab within Online Banking to get started!

How is my data protected?

All of your information is encrypted to the highest levels demanded by world leading organizations such as Amazon. Our servers meet the security requirements of the most demanding organizations in the world. Only you can connect your accounts through your secure MercMoney® login.

How do you know it's me and not someone else?

To ensure it's you, we require that you log in to your online or mobile account before you can get started using MercMoney® Chatbot. You can also set up a PIN for additional security.

Can someone else take over my account?

To prevent someone from taking over your account, it is important to use strong passwords, and ensure that those are not stored online, or where they could be accessed by other people. Avoid writing it down and leaving it where others might find it! If you're using a voice product to check on account details, you can set up a PIN for additional security. If you suspect your account has been compromised, please contact Mercantile Bank immediately.

Can someone else take money out of my accounts?

Absolutely not. The MercMoney® Chatbot does not allow you or anyone else to transfer money into or out of accounts, or to make any kind of payments.

Do you have access to my contacts (through Facebook or Google/Gmail)?

MercMoney® does not have access to contact information for any of your friends on Facebook or your Google contacts. MercMoney® does not share any of your financial information or Chatbot activity on social networks.

Do any third parties store my conversations?

A third party such as Google, Amazon, or Facebook could anonymously store your conversations. However, they do not have access to your financial accounts or your login information.

Do you store my bank account number or other bank or financial account information?

When you connect your bank or other financial account, we encrypt and store that information so your account stays connected. However, the data is stored anonymously and securely, and we don't have access to it.

Do the messaging apps see my financial data?

In the same way that text banking works, the messaging app can see numbers that are given during the conversation. If you ask how much you spent on groceries last week, the messaging app will be able to see that number, but it will not have access to your financial accounts or any transaction details.

How do I cancel the service or unsubscribe if my phone is lost or stolen?

Please contact mercmoney@mercbank.com or call at 800.453.8700 and we will cancel your service.

Is using MercMoney® on Messenger safe?

You can read more about Messenger's Privacy & Terms by clicking on your profile in the upper left corner of the Messenger app and scrolling to the bottom.

You can read more about other tips using Messenger here, as well as the About section from Messenger.com.

Where can I learn more about using Alexa?

To read up on Security, Privacy, Safety, and FAQs about Alexa, click the menu bar in the upper left corner in the Alexa app on your phone. Select 'Help & Feedback', followed by 'Legal & Compliance', and select the field you'd like to learn more about from the list.

Where can I learn more about using Google Home?

To read up on Google's Terms of Services and Privacy Policy, open the Google Home app on your phone and click the menu bar in the upper left corner. Click 'Account Preferences' and select Terms of Service and/or the Privacy Policy.