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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 PM - 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

Working From Home? Don’t Fall for This “Phony” Call
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.
Exploiting the Coronavirus: Watch out for These Scams!
Look out! The bad guys are preying on your fear and sending all sorts of scams related to the Coronavirus (COVID-19).
Below are some examples of the types of scams you should be on the lookout for:
  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.
Remain cautious! And always remember the following to protect yourself from scams like this:
  • 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.
Exploiting the Coronavirus: Fear of Infection
The newest Coronavirus-themed phishing attack may be the most ruthless yet. The cybercriminals are sending emails that appear to be from a hospital and warn that you have been exposed to the virus through contact with a colleague, friend, or family member. Attached to the email is a “pre-filled” form to download and take with you to the hospital. Don’t be fooled. The attachment is actually a sophisticated piece of malware. This threat relies on panic and fear to bypass rational thinking. Don’t give in!

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.
Exploiting the Coronavirus: “PANDEMIC IS WITHIN, BEWARE!”
During this storm of COVID-19 phishing scams, the bad guys love posing as your trusted Human Resources department. One recent HR scam started with an overdramatic subject line: “COVID-19 PANDEMIC IS WITHIN, BEWARE! WARNING!!!” In a mess of run-on sentences, the email claims that some of your co-workers have tested positive for Coronavirus. Keeping with the HR theme, they ask that you do not discriminate against these people and they suggest that “everyone should rather cease panic”.
The email does not identify anyone by name, but asks you to download an attached photo of the infected employees. This attack targets your natural curiosity. Who could it be? Wasn’t Bill coughing last week? I just have to know! If you were to download the attachment, you would find that it is actually a piece of malicious software designed to quietly steal data through your organization’s network. Don’t be fooled!
Remember these tips:
  • 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.
Exploiting the Coronavirus: Is the CDC Closing Your Facility?

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.
Exploiting the Coronavirus: Re-opening your organization? The bad guys have a plan!
Recently, some countries have chosen to lift restrictions that were originally put in place to control the spread of COVID-19. Beware! The bad guys are already taking advantage of this news. They have crafted a well-written phishing email that appears to come from the VP of Operations in your organization. The message claims that your organization has a plan for reopening, and it instructs you to click on a link to see this plan. Clicking the link opens what appears to be a login page for Office365, but don’t be fooled! If you enter your username and password on this page, you would actually send your sensitive credentials directly to the bad guys.
Here’s how to protect yourself from this clever attack:
  • 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.
Exploiting the Coronavirus: Smishing Violation!
Governments across the globe have created restrictions to help reduce the spread of Coronavirus. These regulations change often and vary by country, region, and city. So knowing exactly what is expected of you can be a challenge. It’s no surprise that the bad guys are taking advantage of this confusion!
Cybercriminals are using text messaging, or short message service (SMS), to pose as a government agency. The message says you have been seen leaving your home multiple times and as a result you are being fined. They urge you to click on their official-looking link to pay this "fine" online. If you click the link, you’ll be taken to a payment page where you can give your credit card details directly to the bad guys!
This tactic is known as “Smishing” (SMS Phishing). Smishing can be even more convincing than email phishing because criminals know how to spoof their phone number to appear as though they're calling from an official source. Be careful!

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.
Exploiting the Coronavirus: Netflix is More Popular Than Ever - Especially with Cybercriminals! 
Long before the COVID-19 pandemic, bad guys were spoofing Netflix emails in an attempt to collect your sensitive information. With more and more people looking for at-home entertainment, Netflix has gained over 15 million new subscribers. Cybercriminals are happily taking advantage of this larger audience!
Netflix themed phishing attacks can vary from phony email alerts accusing you of non-payment to offering you free streaming access during the pandemic. Both of these strategies include a link that takes you to a fake Netflix page designed to gather your information and deliver it to the bad guys.

Use the following tips to stay safe:
  • These types of scams aren’t limited to Netflix. Other streaming services like Disney+ and Spotify are also being spoofed. Remember that if something seems too good to be true, it probably is.
  • Never click on a link that you weren’t expecting. Even if it appears to be from a company or service you recognize.
  • When an email asks you to log in to an account or online service, log in to your account through your browser - not by clicking the link in the email. This way, you can ensure you’re logging into the real website and not a phony look-alike.
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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.