Managing your bank accounts has never been easier with Merchants Bank’s Personal Online & Mobile Banking. Get secure access to account information, plus enhanced tools like credit information, credit alerts automated account alerts, mobile deposit, e-billing and more. Or enroll in Telephone Banking, another secure way to access your account information or transfer funds 24/7. 

Online & Mobile Banking Features

Through Online & Mobile Banking, you’ll get the day-to-day account information you need as well as seamless access to financial tools to help manage your finances and plan for the future.
  • See account balances at a glance on mobile with Fast Balances.
  • Submit notices of upcoming travel electronically to ensure your debit card(s) still work beyond the tri-state area.
  • View deposit images in account activity.
  • Export transaction history to Money, Quicken or Quickbooks financial management software.
  • Access to your Merchants credit card account through
  • View your credit score, credit reports and recent inquiries.


  • Set up enhanced account alerts based on your preferences.

Zelle ®

Zelle is a convenient way to send money using your mobile banking app or online banking account. Learn more about Zelle.

Bill Pay & E-Billing

  • Set up bill payments to make paying your bills easy.
  • Enroll for electronic bill delivery from companies that offer this service.

Credit Score

A tool to help better educate you on your credit score with advice on how to improve it.
  • Access to credit score and credit report.
  • View your personal credit analysis.
  • See recent inquiries on your credit – be proactive in monitoring any attempted fraud.
  • Set credit monitoring alerts.


A free tool for managing your personal finances, available on desktop. Spending helps you gain greater insight into your day-to-day expenses as well as manage your savings and other financial accounts. To get started, click on the Spending tab once you've logged in.

Get Started with Online & Mobile Banking

If you’d like to access your Merchants Bank accounts through Online & Mobile Banking, you’ll need to register for an account following the steps below.

How to Register Online

  1. Click here to begin your registration.

How to Register through the Mobile App

  1. Download the Merchants Bank Mobile Banking app.
  2. Enter the information needed to set up your account and create a username and complex password.
  3. Follow the prompts provided to confirm your personal information. 

Frequently Asked Questions & More 

Yes, Merchants Bank offers text banking on your mobile device.
  • Free, easy-to-use, secure mobile access to your account information on your mobile device
  • A convenient way to check balances, view recent transactions and transfer funds
Enroll for Text Banking: Enroll through Online Banking, under Profile Updates. Select the accounts you wish to enable for Text Banking, set your mobile account nicknames, and select your primary account. You're ready to go!  

Quick Guide to Text Messaging (SMS) Commands when texting to 98662
Inquiry Text Command
Balance Inquiry for primary checking or savings account
Balance Inquiry specific account
B <nickname>
example: balance My Checking
Balance Inquiry for all accounts
B all
History (last 5 transactions) H
History for specific account
H <nickname>
example: hist My Checking
Next five historical transactions
example: hist, more
See account nicknames
See a list of all text commands help
Unsubscribe from Text Banking

Yes. With Telephone Banking, you can transfer funds between accounts and access account information 24-hours a day by calling (888) 457-3444. Our convenient Telephone Banking service will walk you through the process to self-enroll.
There is as total limit of $8,000 for mobile deposit per business day.

Merchants Mobile Banking is free, however, text or data charges may be imposed by your mobile provider. Check your plan for details. Your carrier may limit access outside the U.S.