Treasury Management
- Business
- Treasury Services
Explore Our Treasury Solutions
As one of Michigan's largest community banks, Mercantile Bank offers a full range of services to its customers. And because we're locally based, our roots go deep into the communities we serve, enabling us to offer unparalleled customer service and premier banking services throughout the state.
We've taken the time to listen to the needs of our local businesses and develop a comprehensive, integrated approach to commercial banking to help you save time and streamline your business. As a result, our full range of products and services is designed so businesses like yours can move assets easily and gain ready access to financial information.
Receivables
Discover how Mercantile Bank's Receivables Management solutions can streamline collections, improve cash flow, and enhance efficiency.
Learn MorePayables
Explore Mercantile Bank's Payables Management solutions to optimize your payment processes, enhance cash flow, and boost efficiency.
Learn MoreFraud Mitigation
Explore Mercantile Bank's Fraud Mitigation solutions to safeguard your business from financial threats and enhance security.
Learn MoreInternational
Uncover Mercantiles International solutions to facilitate global transactions, manage currency risk, and support growth.
Learn MoreSweeps
Discover Mercantile Bank's Sweeps solutions to automate fund transfers, optimize cash flow, and enhance financial efficiency.
Learn MoreFrequently Asked Questions
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What are the ACH Transaction Cutoff Times?
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ACH Payments
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5:00 PM EST
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Same Day ACH Payments
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2:00 PM EST
Per transaction limit is $1,000,000 per transaction.
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What is the Online Account Transfers Cutoff Time?
7:00 PM EST
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What are the Online Wire Transfer Cutoff Times?
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Outgoing Wire Transfer in Online Banking
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International - 5:00 PM EST
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International Wires powered by PayRecs - 24/7, settlement is done the next available business day based on time zones.
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Domestic - 5:30 PM EST
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Outgoing Wire Transfer in Branch or through Wire Department
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International - 3:00 PM EST
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Domestic - 3:30 PM EST
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Incoming Wire Transfer
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Received from the Fed by 6:30 PM EST will be posted same day.
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What is the Positve Pay Decision Time?
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Positive Pay Decisions
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1:00 PM EST
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What about other payment types and receivables? What are their cutoff times?
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Bill Pay
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3:00 PM EST
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Remote/Mobile Deposit (RDC)
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5:00 PM EST
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SmartPay Payment Portal
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3:00 PM EST
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Contact Treasury
Experienced. Committed. Driven.
Please feel free to contact us by using the form below or by phone (Monday - Friday from 8:30 am - 5:00 pm EST):
800-453-8700 Option 2
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