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Merchants Bank of Commerce
 

Personal Checking

 
1. The average monthly balance is calculated by adding the principal in the account for each day of the statement period and dividing that sum by the number of days in the statement period.
2. The combined balance will include the total average monthly balance of your checking account and the average monthly balance of any additional checking or savings accounts that are owned by you. Accounts must have the same vesting to be considered for combined balance purposes.
3. $0.05 will be paid for every point of sale transaction posted to your account. Rewards will be paid the last business day of each calendar quarter. Active enrollment in electronic statements is required to earn rewards. Transactions conducted at an Automated Teller Machine (ATM) are not eligible for cash rewards. Maximum annual reward of $150.00 will be paid.
4. Data and text messaging charges from your mobile carrier may apply.
5. Refer to current rate sheet for interest information.
 
Refer to the Account Terms and Conditions for additional information regarding your account and the Schedule of Fees and Services for additional fees that may be assessed. See account disclosure for full details. Fees may reduce earnings on the account.
Accordion 1
Simple Checking

Get the basic checking features you need with anytime account access through online banking.

The Basics:
  • $25.00 minimum to open
  • $1,000 average monthly balance1 or $500 direct deposit posted during the monthly statement cycle or 10 point of sale (POS) MasterCard® debit card transactions posted during the monthly statement cycle to avoid $11.00 monthly service charge
  • Check images accessed through online banking will have no charge; there will be a $2.00 charge if you request check images with your monthly paper statement
The Features:
  • MasterCard® debit card
  • Unlimited transactions
  • Automatic transfers
  • Bill pay
  • Mobile remote deposit4
  • Complimentary online, mobile, and text banking4
  • Electronic statement
  • 24 hour telephone banking
  • Access to the MoneyPass® surcharge free ATM network
 
1. The average monthly balance is calculated by adding the principal in the account for each day of the statement period and dividing that sum by the number of days in the statement period.
4. Data and text messaging charges from your mobile carrier may apply.

Refer to the Account Terms and Conditions for additional information regarding your account and the Schedule of Fees and Services for additional fees that may be assessed. See account disclosure for full details. Fees may reduce earnings on the account.
Accordion 2
Choice Rewards Checking
This account is all about rewards. Nothing is better than getting paid whenever you shop!
 
The Basics:
  • $25.00 minimum to open
  • Requires 20 or more point of sale (POS) MasterCard® debit card transactions posted during the monthly statement cycle and active enrollment in electronic statements to avoid $8.95 monthly service charge
  • Check images accessed through online banking will have no charge; there will be a $2.00 charge if you request check images with your monthly paper statement
 
The Features:
  • $0.05 reward paid for posted MasterCard® debit card transactions3
  • Access to the MoneyPass® surcharge free ATM network
  • MasterCard® debit card
  • Electronic Statement
  • Unlimited transactions
  • Automatic transfers
  • Bill pay
  • Mobile remote deposit4
  • Complimentary online, mobile, and text banking4
  • 24 hour telephone banking
 
3. $0.05 will be paid for every point of sale transaction posted to your account. Rewards will be paid the last business day of each calendar quarter. Active enrollment in electronic statements is required to earn rewards. Transactions conducted at an Automated Teller Machine (ATM) are not eligible for cash rewards. Maximum annual reward of $150.00 will be paid.
4. Data and text messaging charges from your mobile carrier may apply.

Refer to the Account Terms and Conditions for additional information regarding your account and the Schedule of Fees and Services for additional fees that may be assessed. See account disclosure for full details. Fees may reduce earnings on the account.
Accordion 3
Personal Interest Checking

Earn interest on your account without transaction limitations.

The Basics:
  • $100.00 minimum to open
  • $5,000 average monthly balance1 or $10,000 in combined average balances2 to avoid $16.00 monthly service charge
  • Earn more interest on higher balances5
  • Check images accessed through online banking will have no charge; there will be a $2.00 charge if you request check images with your monthly paper statement
The Features:
  • MasterCard® debit card
  • Unlimited transactions
  • Automatic transfers
  • Bill pay
  • Mobile remote deposit4
  • Complimentary online, mobile, and text banking4
  • Electronic statement
  • 24 hour telephone banking
  • Access to the MoneyPass® surcharge free ATM network
 
1. The average monthly balance is calculated by adding the principal in the account for each day of the statement period and dividing that sum by the number of days in the statement period.
2. The combined balance will include the total average monthly balance of your Personal Interest Checking account and the average monthly balance of any additional checking or savings accounts that are owned by you. Accounts must have the same vesting to be considered for combined balance purposes.
4. Data and text messaging charges from your mobile carrier may apply.
5. Refer to current rate sheet for interest information.

Refer to the Account Terms and Conditions for additional information regarding your account and the Schedule of Fees and Services for additional fees that may be assessed. See account disclosure for full details. Fees may reduce earnings on the account.
 

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