Personal Banking /

Financial Wellness

As Michigan's Community Bank®, we recognize that financially strong individuals and families are essential to strong communities and it's our goal to help make them stronger.

MercStart Fresh®

An account developed to help customers with previous banking obstacles maintain a deposit account while developing healthy banking habits.

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Credit Builder Loan

Designed to get you on the road to financial success and help you reach your goals. A great way to establish, build or repair your credit. This loan helps you establish a good repayment history and improve your credit score to get you on the road to financial success.

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Secured Credit Card

A great solution to help build or repair your credit.  A Secured Credit Card can help you make payments for merchandise, services, and lodging anywhere Visa is accepted.  A $500 minimum deposit to a Mercantile Certificate of Deposit is required to open.

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MercDebit helps control debit card usage and monitors debit card transactions to help prevent fraud.

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Take control of your finances and simplify your life.

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Financial Education

We've partnered with Everfi, to provide free, interactive resources that can help you make the best financial decisions, no matter where you are in life.

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Our Philosophy

Mercantile Bank is committed to providing resources and tools designed to help our customers take charge of their finances to reach their goals and become financially healthier. Our free MercMoney® platform is a great digital tool automating many aspects of managing your money, and giving you a complete picture of your financial position. Whether you are looking for advice on buying a home, tools to organize your budgeting, spending, or ways to tackle whatever the money challenges that are unique to you, Mercantile Bank is your partner in improving your financial situation.

MercStart Fresh® Account

A MercStart Fresh Account can help you start fresh in re-establishing a bank account relationship and develop healthy banking habits. Free debit card and free access to online banking services to help make payments and manage your funds. Take advantage of financial wellness tools like our MercMoney and MercDebit services to monitor budgets and spending and take control of your finances to simplify your life.

  • No minimum balance requirements
  • Low $4.95 monthly service charge
  • Free online and mobile banking
  • Free Debit Card
  • Check writing is not permitted
  • Overdraft and Dormant Fees are waived

Account Disclosures

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MercMoney - Your All-In-One Money Management Solution

MercMoney is a complete suite of easy to use money management tools that give you an overview of your finances across all your accounts - including budget, spending details/trends, net worth, goals, debt management, and cash flow features. With MercMoney, you can combine all of your outside financial relationships with your Mercantile accounts to see your complete financial picture. All of your spending is automatically categorized and cleansed to give you detailed insights into your spending patterns. MercMoney is available within online banking and  MercMobile.


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Financial Education

Sometimes managing your finances can seem overwhelming, but it doesn't have to be. That's why we've partnered with Everfi, to provide these free, interactive resources that can help you make the best financial decisions, no matter where you are in life.




Please note that by using this link, you will be leaving Mercantile Bank's (the 'Bank') web site. The Bank takes no responsibility and makes no warranties, either expressed or implied, for any of the services, products or information available via this outside web site. The Bank is not responsible for and does not monitor the content, performance, policies (including any privacy policies) or administration of this outside web site, which are the sole responsibility of their creators and do not represent, explicitly or implicitly, positions, policies or opinions of the Bank, its affiliates, its employees or its Board of Directors.