Online Services


Personal Online Banking

Online Banking is simple, easy, and secure. Our Online Banking gives you access to your checking, savings, money market, certificates of deposit, and loan accounts 24 hours a day, 7 days a week from your personal or office computer. You can view your account history and conduct a wide array of banking transactions without leaving your home or office. Online Banking is a basic service that is free of charge and allows customers to:

  • Check daily balance of your accounts including checking, savings, money market accounts and Certificate of Deposits
  • View and print account activity history
  • Online check research by check number, amount or date
  • View the status of loans, lines-of-credit, overdraft protection
  • Transfer funds between Merchants National Bank accounts
  • Make payments to Merchants National Bank loans
  • Order checks
  • View and print check images
  • Download account information
  • Use Bill Payment System

For more information or to enroll, please contact your nearest Merchants National Bank location or enroll online.

 Mobile Banking

With our mobile app you can conveniently and securely access your account information from your smartphone or tablet no matter where you go.

Download from App Store

Download from Google Play

  • Free, secure, and easy-to-use service
  • Access account transactions and history
  • Transfer money between your accounts
  • Downloadable applications for smartphones, iPad®, iPad™ mini and Android™ platform tablets including Amazon Kindle Fire HD
  • Instant Balance, the ability to check account balances prior to logging in
  • Touch ID® support for Apple mobile devices

Bill Payment

Merchants National Bank Billpay product is the fast, convenient and secure way to pay all your bills online. With the Billpay service, you can save time, make paying bills online worry free, and make your life easier. The Billpay service is available 24 hours a day, seven days a week. In order to take advantage of our online bill payment product, you must first sign up for online banking.

  • Free unlimited bill payments
  • Make single and reoccurring bill payments
  • View total number or payments processed for the current month
  • View pending payments for the month and day
  • View and print detailed payment history
  • Pay all your bills from one site
  • Toll free helpline available seven days a week from 7:00 A.M. EST to 1:00 A.M. EST. at 833-576-4407.

If you have questions or need assistance, contact our customer care department at 800-875-1993.


Make the switch to added convenience. Trade the paper trail, and instead opt for easy eStatements. It’s a win-win — you reduce paper waste while helping the environment.

  • Free, secure, and easy-to-use service
  • Fast, free, and easy alternative to paper statements
  • Reduce paper waste and help the environment
  • Receive email notice when new eStatement is ready
  • Easier to retrieve information when needed
  • Easily available online 24/7 through online banking
  • Arrive faster than paper statements
  • Simplify recordkeeping and eliminate storage hassles
  • Easily access past statements
  • Easily view, search, save, download, or print
Log in to Online Banking to sign up. (Once connected, click the "Profile" link in the upper right corner.)

Text Message Alerts

Send a text to 995-88 to receive alerts about your account details such as; balances, history and local branches or ATMs.

  • In the message field, type the information you want to see.
  • Type Bal, Balance or Balances (for balances to all accounts).
  • Type Bal (space) (Account Nickname) to see only that account (ex. Bal Reg)
  • Type Hist, Stmt, or Tran (space) (nickname) to see a list of recent transactions (ex. Stmt Sav).
  • Type Next or More to move on to next items.
  • Type ATM, Branch, or Both (space) (zip code) to see a list of ATMs and/or branches closest to that zip code (ex. ATM 45121).

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