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Merchants Bank of Commerce


Thank You For Putting Your Trust In Us

Dear Valued Customer:

At Merchants Bank of Commerce, we focus our resources on our number one priority – you, our customer. We are thankful that you have trusted us to be your financial partner.
For the past year, the COVID-19 pandemic has impacted all of us and has changed the way we live our everyday lives, from a simple trip to the grocery store to visiting the ones we love. As we reflect on the many changes over the past year, one thing remains certain – our commitment to the health and safety of our customers and team members, and dedication to providing you with the financial solutions that you need, when you need them.

Our goal will always be to help you through life’s financial ups and downs by offering great services, like consumer and commercial banking products, online banking services, mobile banking and deposit and a wide variety of loan options. While continuing to maintain stringent sanitation and social distancing standards, we are excited to inform you that soon our branch lobbies will return to normal hours of operation. We hope you find this added convenience helpful.

As we anticipate the coming year, we are optimistic about returning to normal and further assisting our clients with their financial needs. We look forward to seeing you back in our branches and out in our communities.

Thank you for making Merchants Bank of Commerce, your bank of choice.

Your Financial Partners at Merchants Bank of Commerce
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Service Options
If you would still rather not visit the branches, many of the services you use in a branch are available virtually anywhere and at any time. 
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 AppiPhone 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 BRELLA: 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.
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Current Branch Service

Updated hours starting April 12, 2021. 

Churn Creek Branch (Redding): 9:00 AM - 5:00 PM Monday through Friday

Placer Branch (Redding): 9:00 AM - 5:00 PM Monday through Friday

Buenaventura Branch (Redding): Lobby - 9:00 AM - 5:00 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 9:00 AM - 4:00 PM, Monday through Friday.

Branch Locations and Hours

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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.
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Economic Impact Payments - Round 3
Third Round of Economic Impact Payments Status Available
The IRS is issuing the third payments in phases. The IRS started sending the first batch of payments with an official payment date of March 17. If you haven’t received one yet, it doesn’t mean you won’t. They'll send the third payments each week to eligible individuals as they continue to process tax returns. Payments are sent by direct deposit or mail as a check or debit card. Find when and how they sent your third Economic Impact Payment with the Get My Payment application. Get My Payment updates once a day, usually overnight.

Previous payment information is no longer available in Get My Payment. See First and Second Payment Status.