Personal Banking

On-Line Banking

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Free Checking!

Our no fee checking account has been around since 1921. Some accounts have minimum balance requirements and are subject to Schedule of Fees and Charges. Speak to a Merchants National Bank representative to see how we can save you money.

NOW / Preferred NOW Accounts

Checking accounts that allow you to earn interest at competitive rates on your entire collected monthly balance. Account subject to Schedule of Fees and Charges. Please contact a Merchants National Bank representative for rates and terms.

Savings

Savings accounts earn interest while allowing convenient access to your funds through ATMs, account transfers or direct withdrawals. Withdrawal restrictions do apply. Please contact a Merchants National Bank representative for more information.

Money Market

Merchants National Bank offers money market accounts, which allow you to earn a competitive rate of interest while enjoying check-writing privileges. Money market accounts also allow automatic or telephone transfers up to six per month, three of which may be made by check. Activity restrictions apply. Please contact a Merchants National Bank representative for more information.

Certificates of Deposit (CD)

Merchants National Bank of Sacramento offers certificates for a multitude of terms and sizes. Please contact a Merchants National Bank representative for rates and terms.

IRAs

Select from traditional or ROTH IRAs.

Speak to a knowledgeable representative to find out more.

ATM / Debit Cards

Merchants National Bank is proud to offer the Visa® Debit Card. The Visa® Debit card can be used at restaurants, retail stores and ATM’s around the corner or around the world, wherever you see the Visa® logo. Use it instead of a check anywhere Visa® is accepted and use it just as you would an ATM card. Each purchase is deducted directly from your checking account and every transaction appears on your monthly statement.

IF YOUR ATM OR VISA® DEBIT CARD IS LOST OR STOLEN, CALL (916) 442-3883 AS SOON AS YOU DISCOVER THE LOSS OR THEFT

Direct Deposit

Convenience and safety are two reasons to have your paychecks, Social Security checks, or any other recurring checks deposited directly into your Merchants National Bank of Sacramento checking or savings account.

Bank-By-Mail (Postage Paid)

Banking by mail provides hassle-free banking. Merchants National Bank pays the postage both ways. Simply mail your deposit to Merchants National Bank and when received, your deposit will be posted to your account and a deposit receipt will be mailed to you that day.

Reorder Checks

Reordering checks from Merchants National Bank is fast and convenient. You can reorder your current checks anytime day or night. You'll be prompted to enter Merchant National Bank's routing number (121109518), your account number, your name, and the starting number of your next check order, so please have this information handy. Your next order starting number can be found on your reorder form, or it can be calculated by adding one to your last check number. The number must be sequential to your last order.