Why is Customer-to-Customer Transfer being retired?

The service is being retired to enhance security, reduce fraud risk, and support future improvements to Mercantile Bank’s online banking platform.

When will Customer-to-Customer Transfers no longer be available?

Effective September 15, 2026, customers will no longer be able to initiate new Customer-to-Customer Transfers or link new accounts using this service.

How does this change impact existing transfers?

This change does not impact transfers between accounts already visible in online banking or accounts that were previously linked using the service.

What alternatives are available for transferring funds?

Customers can use digital payment services, Bill Pay, ACH origination for business accounts, or contact a branch, contact center, or Treasury Support for assistance.

Customer to Customer Transfers

What you should know about upcoming changes

We’re making updates to Customer-to-Customer Transfers to better protect our customers and strengthen your online banking experience. As part of this phased transition, we’ll walk you through what’s changing and the alternative options available to you.

What’s changing?

As part of our ongoing efforts to enhance security, reduce fraud risk and prepare for future enhancements to our online banking platform, we are retiring the Customer-to-Customer Transfer service.

What is Customer to Customer Transfer?

Customer to Customer Transfer is the ability to create a deposit only online funds transfer to another Mercantile Bank account not available on your online banking profile. These transfers can be made as a one-time transfer or by linking the account to your online banking profile for future or recurring funds transfers.

Why is this change needed?

Over time, this service has created increased risk. To better protect our customers, we are taking steps to phase out this functionality.

What to expect?

Effective 9/15/2026, the Customer-to-Customer Customer Transfer option will be removed as a transfer option from your online banking. The ability to create a one-time transfer or link a new account to your online banking profile will no longer be available. This change will not impact your ability to initiate a funds transfer between accounts displayed in your online banking or to accounts you previously linked to your profile using this service.

Personal:

- Digital Payment Services -

- Bill Pay -

To learn more about Bill Pay, please view our blog post here.

- Contact A Branch or The Contact Center -

Business:

- ACH Origination -

To learn more, please visit our Payables web page.

- Bill Pay -

To learn more about Bill Pay, please visit our blog post here.

- Contact Treasury Support-

Please contact us by emailing us at TreasurySupport@mercbank.com, or by phone
800-453-8700 option 2.

What’s Next?

We are starting with employee communication first to ensure our staff and support teams are informed and prepared
Targeted outreach to customers using this service will follow this summer leveraging email and online banking messaging
Additional training materials, FAQs, and communication tools will be shared soon

This phased approach allows us to minimize customer disruption, gather feedback from employees and strengthen messaging before broader rollout to customers. Thank you for your continued focus on protecting our customers and delivering a strong experience. Your support during this transition is essential. If you have questions or need assistance with alternative solutions, please reach out us.

Let's Chat

Chat online with a live personal banker

Chat with Support

Find a Location

Visit a Mercantile Bank location near you

Find a Location

Call Us

Mon – Fri from 7am - 7pm
Sat. from 9am - 1pm

Call (800) 453-8700

Schedule an Appointment

Meet with us in person

Schedule Now

Customer-to-Customer Transfers