Merchants Commercial Bank offers a range of deposit products and services that enable its customers to have real-time account and transaction detail access. MCB deposit products and services also allow MCB customers to actively use the online tools provided by MCB for bill payment and account transfer activity. MCB deposit offerings include the following types of deposits and others that can be designed with customer input:

• Interest Checking Accounts

  An MCB personal checking account allows you to manage your finances easily with 20 free debits per month while still earning interest.

• Money Market Deposit Accounts

  Earn a higher rate of interest on your excess cash balances. With a Money Market Deposit Account, you can earn up to 2.78% APY on your deposits while still having the flexibility to issue 3 (three) checks and 3 (three) transfers out per month.

• Certificates of Deposit

  Earn competitive rates of interest on your deposits with terms ranging from 3 months to 24 months.

• Savings Accounts

  Another way to earn interest on your excess cash.

• Trust Accounts

  Plan for the future with an interest bearing Trust Account.

• Assurance Checking Accounts - New!

  At MCB, we realize that you work hard for your money. In these uncertain times, many people question the safety of putting money in the bank above and beyond the temporarily increased FDIC insured deposit limit of $250,000.

  Since MCB has opted to participate in the FDIC’s Transaction Account Guarantee program, we have been able to create a checking product that will offer limitless protection on your deposits and still reward you with interest! Opening an Assurance Checking account will give you the comfort of a fully insured deposit product coupled with the reward of .50% interest.

  Rest Assured that your money is safe here at MCB!