Free Checking

The perfect account for families, students and anyone looking for a basic account with a debit card without minimum balance requirements.


How can I add or remove someone from my Checking account?

Once your checking account is open, you may decide you'd like to add someone - by making them a joint-owner - or remove someone from your account.
  • To add an owner: You can add an owner to an existing account anytime by visiting your local branch with the additional owner.
  • To remove an owner: To remove someone from your Checking account, you'll need to close your current account and open a new one with your new ownership preferences. In special circumstances, such as a child turning 18 or trust accounts, opening a new account may not be necessary.
A Customer Service Representative at your local branch can assist with any account ownership questions you may have.

What do I need to know when setting up a direct deposit to or automatic payment from my Merchants Bank checking or savings account?

Businesses that originate a direct deposit into your bank account, such as your employer, financial advisor or social security office, or pull automatic payments, such as your utility company, fitness center or clinic/hospital, will provide you with an authorization form that asks for your account information. If any of it is incorrect it will delay the transaction in your account.

1. The Merchants Bank routing number is: 091900193
2. Identify your account type correctly. If this is incorrect the deposit will not reach your account.
  • Select Checking for these account types: Diamond Money Market, Health Savings Account, Personal Checking Accounts, Business Checking Accounts
  • Select Savings for these account types: Basic Savings, Advantage Savings, Kids Savers Club, My Future Fund, Summer or Winter Fund. 
Please note: All savings types can receive direct deposit, but only Basic and Advantage Savings can accommodate auto payments. 

3. Provide your Full Account Number. For security reasons, we only display a partial account number in Merchants Online Banking and on account statements. If you need assistance confirming your account number, please contact your local branch.

Is Merchants Bank Free Checking really free?

Yes, our Free Checking offers free: If you'd like to order checks or use any additional services, please contact us about fees associated with those services.

How safe is my checking or savings account?

Keeping your personal information safe is a top priority. Learn how we protect you and what you can do to protect yourself from fraud.

Interested in learning more about how FDIC insurance protects your deposits up to $250,000? Read more from the FDIC. If you have deposits with us that far exceed the $250,000 FDIC insurance threshold and would like to consider other options, please visit with us about the possibility of ICS/CDARS.

How do I switch my checking account to Merchants Bank?

It's easy - just use our guide to switching your checking account.

Can I open my account online?

When you select the "apply now" button above, you can begin the account opening process online.

Once you submit your application, a Merchants Bank Customer Service Representative will prepare your account documents and follow up with you to schedule a time to meet at your local branch. At that appointment, you'll be asked to sign your account agreement, your debit card will be ordered and any other services needed can also be completed.

† Merchants Mobile Banking is free, however, text or data charges may be imposed by your mobile provider. Check your plan for details. Your carrier may limit access outside the U.S.

Compare Checking Accounts

Account FeaturesRelationship CheckingeCheckingFree Checking
Minimum Opening Deposit$50$50$50
Debit CardYesYesYes
Monthly Fee$10. No monthly fee with $1,500 balance in checking or a $15,000 combination of deposit and/or personal loan or mortgage balances.$10. No monthly fee with minimum of 6 debit card purchases, maximum of 6 paper checks and eStatement enrollment. ATM & automatic deposits/withdrawals not counted.$0
1st-year Free Overdraft Line of Credit*
Identity Theft InsuranceAvailableAvailableAvailable
Check ImagesAvailableAvailable Online$2 per month when returned with statement; available free online
Earns InterestView rates
Free Merchants Signature Style Checks
Safe Deposit Box Discount20% discount annually
50% Discount on Visa® Gift Card Purchase Charge
No Fee on Money Orders and Cashier
3 Foreign ATM Fees Waived per Month
Online & Mobile Banking
Learn MoreApply NowLearn MoreApply NowLearn MoreApply Now

* Subject to credit approval. $30 annual fee. 15.59% Annual Percentage Rate.


As your dedicated financial partner, we offer Wealth Management resources to help you plan for the future. Put our expertise to work for you. 

Diamond Money Market

The savings account that helps you earn more while you save more.

Credit Card Processing

We make processing and accepting credit card, debit card and gift card payments easy and efficient for your business.

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