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Merchants Bank of Commerce


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Current Branch Service

Updated hours starting June 16, 2020. 

Sacramento Branch (1015 7th Street): 10:00 AM - 3:00 PM Monday through Friday

Churn Creek Branch (Redding): 9:30 AM - 4:00 PM Monday through Friday

Placer Branch (Redding): 9:30 AM - 4:00 PM Monday through Friday

Buenaventura Branch (Redding): Lobby - 9:30 AM - 4:00 PM Monday through Friday

Buenaventura Branch (Redding): Drive up - 9:00 AM - 5:00 PM Monday through Thursday; Friday from 9:00 AM - 6:00 PM; Saturdays from 9:00 AM - 1:00 PM.

Yreka Branch drive up will be open 9:00 AM - 4:00 PM, Monday through Friday.

All other branch lobbies will be open from 10:00 AM - 3:00 PM, Monday through Friday.

Branch Locations and Hours

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COVID-19: A message to our customers
In these unprecedented times, the leadership team at Merchants Bank of Commerce wants you to know we are responding to the COVID-19 virus and working to remain available to serve your banking needs while taking action to mitigate the spread of the virus. Our top priorities are the health and safety of our employees, our customers, and our communities. As we continue to monitor developments, we are taking steps to ensure our branches stay open and our employees and call center are available to you during our normal business hours.

In our offices and branches, we have taken steps to ensure high-touch areas are cleaned frequently with recommended disinfectants, and hand sanitizer is available at all workstations. In addition, our ATM screens and keypads are cleaned often throughout the day. We have replaced in-person meetings with phone calls and videoconferencing, and requiring telework and social distancing for our employees to continue to safely provide the services you expect. As the situation develops, we may need to reduce branch hours, but we will communicate any changes in advance.

Many of the services you use in a branch are available virtually anywhere and at any time. With everyone trying to limit their public exposure, we encourage you to use these Merchants Bank of Commerce services:
Online and Mobile Banking: If you haven’t already:
  • Enroll in online banking - Enroll Here
    • You will be able to:
      • Access your accounts; review transactions and balances.
      • Deposit checks using your phone camera
      • Make payments using bill pay
      • Send and receive money via Pop Money
      • Transfer funds between MBOC accounts
  • Download the MBOC Mobile App -  Android App      iPhone App
    • Must be enrolled in Online Banking to use the Mobile App
  • Please contact the Customer Care Center at 800.421.2575 with any questions or if you need assistance in enrolling in these services.
ATMs: Use ATMs to make deposits, transfer funds between MBOC accounts, check balances and withdraw cash. MBOC is part of the MoneyPass® ATM network, you have access to over 32,000 surcharge free ATMs.
Debit Cards: Use your card to make purchases and to get cash back, too.
SHAZAM BOLT$: Manage your debit card, temporarily block or unblock your misplaced debit card, set up spending alerts, receive fraud alerts, and locate SHAZAM ATMs throughout the US.
Customer Care Center: Contact us at 800.421.2575.

Branches are open and employees are available to help. Don’t hesitate to reach out to your local branch, your Relationship Manager, or our Customer Care Center at 800.421.2575.
For the latest information about the virus, visit the Centers for Disease Control and Prevention website. 

Your continued confidence in choosing Merchants Bank of Commerce to serve your financial needs is appreciated. We will get through this together. Through the good times and the more challenging times, we are proud to be your Bank of Choice.
Randy Eslick's Signature

Randy Eslick
President & CEO
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Loan Information and Assistance
General Assistance
Merchants Bank of Commerce (MBOC) is prepared to offer assistance, as needed, to impacted clients through a range of measures should you encounter hardship as a result of COVID-19. Please contact your Relationship Manager directly or the Customer Care Center at 800.421.2575.
Consumer Lending
Please contact MBOC if you are experiencing financial hardship regarding an MBOC mortgage, Home Equity Line of Credit (HELOC), or any other personal loan through MBOC, now or in the future. There are two ways to contact us; email the Consumer Lending Department or contact our Customer Care Center at 800.421.2575. 
Commercial Loan Assistance
If you are a commercial loan customer affected by the recent COVID-19 events and need assistance, we have programs available to assist you during these unprecedented times. Solutions may include the ability to postpone payments for a period of time. Please contact your Relationship Manager directly or call our Customer Care Center at 800.421.2575.

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Paycheck Protection Program (PPP) Recipient Resources
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Main Street Lending Program (MSLP) Availability
Thank you for your inquiry into the Federal Reserve’s Main Street Lending Facility. While we expect this to be a popular program nationwide, due to the MSLPs complexity and that it’s primarily meant for borrowers with more extensive financial needs, Merchants Bank of Commerce has made the difficult decision to not participate in this program, at this time.
If you are seeking additional longer term financial support or, would like additional information about the Main Street Lending Program (MSLP), we recommend visiting the Federal Reserve’s website:
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Scams Related to COVID-19
Learn about some of the scams that are out there related to COVID-19.
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 Economic Impact Payments (EIP)
General Information
Starting April 15, 2020, the U.S. Federal Government is scheduled to begin delivering Economic Impact Payments to eligible Americans as part of the Coronavirus Aid, Relief and Economic Security (CARES) Act. These direct cash payments are for financial relief during the coronavirus pandemic, and are sometimes referred to as “stimulus checks”. Payments will be distributed by direct deposit or paper check over multiple weeks.

U.S. residents will receive the Economic Impact Payment of $1,200 for individual or head of household filers, and $2,400 for married filing jointly if they are not a dependent of another taxpayer and have a work eligible Social Security number with adjusted gross income up to:
  • $75,000 for individuals
  • $112,500 for head of household filers and
  • $150,000 for married couples filing joint returns
Taxpayers will receive a reduced payment if their AGI is between:
  • $75,000 and $99,000 if their filing status was single or married filing separately
  • $112,500 and $136,500 for head of household
  • $150,000 and $198,000 if their filing status was married filing jointly
The amount of the reduced payment will be based upon the taxpayers specific adjusted gross income.

Eligible retirees and recipients of Social Security, Railroad Retirement, disability or veterans' benefits as well as taxpayers who do not make enough money to normally have to file a tax return will receive a payment. This also includes those who have no income, as well as those whose income comes entirely from certain benefit programs, such as Supplemental Security Income benefits.

Retirees who receive either Social Security retirement or Railroad Retirement benefits will also receive payments automatically. For detailed information on eligibility, distribution plans and answers to your questions, visit
Avoid Scams Related to Economic Impact Payments
The IRS urges taxpayers to be on the lookout for scam artists trying to use the economic impact payments as cover for schemes to steal personal information and money. Remember, the IRS will not call, text you, email you or contact you on social media asking for personal or bank account information – even related to the economic impact payments. Also, watch out for emails with attachments or links claiming to have special information about economic impact payments or refunds.
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Financial Tools & Resources for Families
With so many schools closed, we feel this is a great opportunity to provide parents with financial education materials for their kids. We have handpicked tools that will be helpful for parents who have suddenly found themselves at home with their children every day.