Current Branch Service
Updated hours starting March 24, 2020.
All branch lobbies will be open from 10:00 AM - 3:00 PM, Monday through Friday.
Sacramento Branch (1015 7th Street): Limited lobby access, we will only allow one customer in the lobby at a time. Please call 916.442.3883 during business hours to setup an appointment to open a new account.
Buenaventura Branch drive up will be open from 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.
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:
- 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
- Access your accounts; review transactions and balances.
- You will be able to:
- 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.
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.
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.
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.
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.
The Coronavirus Disease 2019 (COVID-19) pandemic has caused a massive shift in the number of employees who are working remotely. From a cybercriminal’s perspective, this is a perfect opportunity for their social engineering scams.
One scam involves cybercriminals calling you and posing as support personnel from the companies or services that your organization may be using to allow you to work remotely. Typically, the caller will try to gain your trust by stating your job title, email address, and any other information that they may have found online (or on your LinkedIn profile). Then, the caller claims that they will send you an email that includes a link that you need to click for important information. Don’t fall for this scam!
Remember the following to help protect yourself from these types of scams:
- Never provide your personal information or work information over the phone unless you’re the one who initiated the call.
- Scammers can spoof any number they’d like. Therefore, even if a call looks like it’s coming from a legitimate source, it could be a scam.
- If you receive this type of call, hang up the phone immediately and notify the appropriate team in your organization.
Look out! The bad guys are preying on your fear and sending all sorts of scams related to the Coronavirus (COVID-19).
- 1. Emails that appear to be from organizations such as the CDC (Centers for Disease Control), or the WHO (World Health Organization). The scammers have crafted emails that appear to come from these sources, but they actually contain malicious phishing links or dangerous attachments.
- 2. Emails that ask for charity donations for studies, doctors, or victims that have been affected by the COVD-19 Coronavirus. Scammers often create fake charity emails after global phenomenons occur, like natural disasters, or health scares like the COVID-19.
- 3. Emails that claim to have a “new” or “updated” list of cases of Coronavirus in your area. These emails could contain dangerous links and information designed to scare you into clicking on the link.
- Never click on links or download attachments from an email that you weren’t expecting.
- If you receive a suspicious email that appears to come from an official organization such as the WHO or CDC, report the email to the official organization through their website.
- If you want to make a charity donation, go to the charity website of your choice to submit your payment. Type the charity’s web address in your browser instead of clicking on any links in emails, or other messages.
Remember to stay vigilant:
- Think before you click. The bad guys rely on impulsive clicking.
- Never download an attachment from an email you weren’t expecting.
- Even if the sender appears to be from a familiar organization, the email address could be spoofed.
- Watch for sensational words like “BEWARE” and “WARNING!!!” The bad guys want you to panic.
- Be wary of emails with spelling or grammatical errors, especially when it supposedly came from a reputable source.
- When questioning the legitimacy of an email sent from someone in your company, give them a call! One quick call could save your organization from a potential data breach.
As the COVID-19 pandemic rages on, the bad guys find increasingly creative ways to weaken your defenses. The newest phishing trend is an email that appears to be from the CDC (Centers for Disease Control and Prevention). The email has an intense subject line: “NOTICE OF CLOSING YOUR FACILITY AND DISINFECT NG THE AREA - BY NCDC WH 20982 COV-19 Due To Recent Corona Virus COVID-19 Pandemic.”
You’re instructed to download an attachment which is supposedly a letter from the CDC claiming that they will close your facility. If you download the file, you’d find that it is actually a malicious program designed to gain access to your company’s sensitive information. Don’t be tricked!
How to beat the bad guys:
- Think before you click. These malicious actors are playing with your emotions and this threat relies on panicked clicking.
- Never click a link or download an attachment from an email you weren’t expecting. Remember, even if the sender appears to be a legitimate organization, the email address could be spoofed.
- If you receive a suspicious email that claims to be from an official organization such as the CDC or WHO (World Health Organization), report the email to the official organization through their website.
- Never click on a link or an attachment that you weren’t expecting. Even if it appears to be from someone in your own organization, the sender’s email address could be spoofed. When in doubt, reach out to the sender by phone to confirm the legitimacy of the email before clicking.
- When an email asks you to log in to an account, do not click the link in the email. Instead, go directly to the website through your browser. This ensures you are accessing the real page and keeping your credentials safe.
- This attack tries to exploit the restlessness and uncertainty of life in quarantine. Don’t let the bad guys toy with your emotions. Think before you click.
Here’s how to stay safe from this smishing attack:
- Think before you click. The bad guys want to get under your skin. Not only does this message accuse you of ignoring regulations, but it also claims you have to pay a fine! Don’t give in to this tactic.
- Never trust a link in an email or text message that you were not expecting. Instead of clicking the unexpected link, open your browser and type in the official URL of the website you wish to visit.
- Stay informed during this confusing time by following local news, government websites, and other trusted sources.
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
- $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 $198,000 if their filing status was married filing jointly
Eligible retirees and recipients of Social Security, Railroad Retirement, disability or veterans' benefits as well as taxpayers who do not make enough money to normally have to file a tax return will receive a payment. This also includes those who have no income, as well as those whose income comes entirely from certain benefit programs, such as Supplemental Security Income benefits.
Retirees who receive either Social Security retirement or Railroad Retirement benefits will also receive payments automatically. For detailed information on eligibility, distribution plans and answers to your questions, visit https://www.irs.gov/coronavirus/economic-impact-payments
The IRS urges taxpayers to be on the lookout for scam artists trying to use the economic impact payments as cover for schemes to steal personal information and money. Remember, the IRS will not call, text you, email you or contact you on social media asking for personal or bank account information – even related to the economic impact payments. Also, watch out for emails with attachments or links claiming to have special information about economic impact payments or refunds.
- FDIC – MoneySmart - The FDIC’s Money Smart for Young People Parent/Caregiver guide.
- MyMoney.gov(Opens in a new Window) - The official federal government site for financial literacy and education.
- MyBOC(Opens in a new Window) - For people 14-23 – or anyone wanting a solid foundation to their financial life - MyBOC is a program dedicated to providing a smarter start to banking.
- The Centsables(Opens in a new Window) - When it comes to teaching kids about money, you can trust The Centsables to lead the way.
- Jump$tart's Reality Check(Opens in a new Window) - This tool will show you an estimated income you will need in order to live the lifestyle you want.