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The Merchants National Bank of Sacramento
Relationship Banking since 1921
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Business Savings

Strengthen your business' financial future with a business savings account, money market savings account or a certificate of deposit (CD) from Merchants National Bank.
¹On balances greater than $100
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Low Balance interest bearing savings account
Build your company's savings with a safe, interest-bearing account that's separate from your checking account. A Business Savings account offers you a stable and secure place to keep your money while earning a healthy return.
There is no monthly fee for this account, and you can make up to six withdrawals or transfers per month. Plus, with cash management you can monitor and manage your account from any web-enabled computer.
Our Savings Account provides maximum flexibility for reaching your savings goals. Set up a savings account for each of your goals with an automatic savings plan. Link to your checking account for transfers. There are no monthly service charges or minimum balance requirements, and you'll earn a solid rate of interest too.
You can set up a free automatic transfer or direct deposit so your balance grows every month without having to think about it. And as always, your money is accessible by teller, mobile banking, On-Line Banking, ATMs, and through account transfers.
Account Features:
  • Earn interest on monthly balance¹
  • Unlimited deposits
  • 6 withdrawals per month²
  • No monthly fee or minimum balance requirement
  • Cash Management available
  • Minimum opening deposit $100
  • FDIC insured up to the maximum permitted by law
¹On balances greater than $100
²Government regulation limits the number of pre-authorized withdrawals from a savings account to 6 per monthly statement period. Please see disclosure of account terms for details.
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 Money Market

 Improve your bottom line and maintain easy access to funds. 
This account puts your higher balance to work earning an even better rate. When you need to dip into your savings, you can easily get cash, transfer funds, or even write checks.
For a perfect blend of high returns and liquidity, our money market account is hard to beat. Maintain a balance of $2,500 and we'll even waive the $10 monthly fee. Now that's an offer you can't refuse!
  • Earn interest on monthly balance¹
  • Unlimited deposits
  • 6 withdrawals per month²
  • $10 monthly fee waived with $2,500 daily balance
  • Cash Management Available
  • Commitment to personal service
  • No automated phone systems
  • Minimum opening deposit $2,500
  • FDIC insured up to the maximum permitted by law

¹ On balances greater than $100
²Government regulation limits the number of pre-authorized withdrawals from a savings account to 6 per monthly statement period. Request Disclosure of Account Terms for details.
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 Certificate of Deposit (CD)

 Higher interest rate for terms 30 days to 1 year
There are few guarantees in the business world. But here's one: if you can afford to temporarily set aside a portion of your assets, you can get an outstanding return on your investment.
Merchant National Bank CDs are a sure thing. Pick the term that fits your needs, then lock in a great interest rate. When the CD hits maturity, you get a guaranteed return. It's most likely the easiest money your business will make this year.
  • Higher rates than most savings accounts
  • Flexible terms to fit your needs ranging from 30 days to 1 year
  • Guaranteed returns regardless of market changes
  • No maintenance fee
  • Subject to interest penalty for early withdrawal¹
  • FDIC insured up to the maximum permitted by law
¹Request disclosure of account terms for details
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 Convenient way to access FDIC insurance on large deposits
We take care of the details so your deposits of $250,000 to $10 million can work in a safe place with access to FDIC insurance.
Introducing CDARS ®
CDARS is the Certificate of Deposit Account Registry Service. It's the easiest, most convenient way to enjoy full FDIC insurance on deposit amounts larger than $250,000. Whether it is for Personal or Business needs, CDARS is a great way to access multi-million-dollar FDIC insurance on CD investments.
How does CDARS work?
Merchants National Bank is part of the CDARS Network. When you open a CDARS account with us, we place your funds into CDs issued by other banks in the Network-in increments of less than the standard FDIC insurance maximum so that both principal and interest are eligible for FDIC protection. As a result, you can receive coverage from many banks while working directly with only Merchants National Bank.
What else should you know?
With access to multi-million-dollar FDIC insurance, you can reduce collateralization requirements (if you are accustomed to collateralization) and avoid the hassle of opening accounts at different banks in different insurable capacities. You can also avoid manually consolidating account statements and interest disbursements. CDARS reduces administrative burdens, especially during tax and financial reporting seasons, and frees up your valuable time. You can skip extra paperwork while enjoying the peace of mind associated with multi-million-dollar FDIC insurance eligibility.

As always, your confidential information remains protected.

  • Minimum opening deposit is $100,000
  • Full FDIC insurance
  • CDARS satisfies the FDIC’s requirement for agency pass-through deposit insurance coverage
  • Manage multiple accounts easily
  • One bank, one rate, one statement
  • Terms from 4 weeks to 3 years
  • No fees
  • CDARS is a registered service mark of Promontory Interfinancial Network, LLC
  • If a depositor is subject to restrictions with respect to the placement of funds in a depository institution, it is the responsibility of the depositor to determine whether the placement of the depositor’s funds through CDARS or a particular CDARS transaction satisfies those restrictions.
  • Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with Merchants National Bank. The agreement contains important information and conditions regarding the placement of funds by Merchants National Bank.

Ready to start?

 Contact us by visiting us our branch or call 916-442-3883 for more information.
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