Personal Banking
Explore Our Personal Banking Solutions
Mercantile Bank provides a full range of personal banking options—including checking and savings accounts, CDs, HSAs, debit and credit cards, personal and auto loans, plus secure digital tools to help you manage your money with confidence. We proudly serve individuals and families across Michigan with local decisions and personalized support.

Accounts
At Mercantile Bank, we offer a variety of checking and savings account options to help you manage your finances with ease. Whether you're looking for an account that has perks with it or a MercStart account for your teenager we have solutions to meet your needs. Explore our range of accounts and find the perfect fit for your financial journey.
Cards
At Mercantile Bank, we offer a variety of card options to help you manage your finances with ease. Whether you're looking for a debit card or Greenlight for your kids, Mercantile Bank has a variety of solutions to meet your needs. Explore our cards and find the perfect fit for your financial journey.
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Loans
Mercantile offers a wide variety of loan products to help you finance your dream. Of course, so does every other bank. At Mercantile, we do things a little differently, we focus on you. That’s why we offer Automobile and RV loans, electric vehicle loans, and more. Explore our loans today and find the perfect fit for your financial journey.
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Services & Tools
We know technology and integration is important when it comes to banking. That’s why Mercantile Bank has invested in a variety of tools and services at no cost to you. From budgeting with MercMoney to increasing your credit score with Savvy Money, we have a variety of solutions because we’re here for you. Explore these tools today and find what you need to increase your financial wellness.
Frequently Asked Questions on Personal Banking
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What personal accounts does Mercantile Bank offer?
Mercantile Bank offers a full range of personal deposit accounts, including checking, savings, CDs, and HSAs.
For checking, you can choose from:
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MercPerks® Plus Checking
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Community Checking
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MercStart® Account
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MercStart Fresh® Account
For savings, we offer:
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Community Savings
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Money Market
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Student Savings
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IRA Savings
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MercClub Savings
For certificates of deposit, you can select from:
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Certificates of Deposit
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Flex Certificate of Deposit
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Add-To CD
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IRA Certificate of Deposit
For health savings, we provide:
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Health Savings Account – Individual
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Health Savings Account – Family
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HSA Certificate of Deposit
To find the option that fits you best, start on our Personal Banking page and explore these accounts in more detail.
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Is Mercantile Bank a Michigan-based bank?
Yes, Mercantile Bank (also known as Mercantile Bank Corporation) is a Michigan-based financial institution headquartered in Grand Rapids. Founded in 1997, it serves the state with over 40 office locations and is one of the largest banks headquartered in Michigan.
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Can I manage my personal banking online or on my phone?
Yes, you can manage your personal banking securely online and from your phone. This can be done by either going to MercBank.com or downloading our app. MercMobile.
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To learn more about online banking, please visit our Online Banking Benefits web page.
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For more information on our technology and tools that are available to you, please visit our Service and Tools.
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Have questions? Merc is here to help.
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