Merchants State Bank Your hometown bank since 1899
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Free Checking


 A no-frills basic checking account that provides individuals flexibility and convenience with no monthly fee or minimum balance requirements. 

          • No minimum balance.
          • Free ATM transactions within Advantage-Network.
          • Unlimited check writing privileges.
          • Direct Deposit Available.

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What is Direct Deposit?
With Direct Deposit, your employer sends your pay directly to your checking or savings account rather than issuing you a paper check.  These deposits arrive and are made available to you more quickly.  They can also be divided among different accounts.  

Benefits of Direct Deposit:

  1. Once you have signed up for Direct Deposit, you don't have to go to the bank to deposit your checks.
  2. Your money is automatically deposited into your account on time, every time.
  3. Direct Deposit payments never get lost.
  4. Direct Deposit is confidential.  Money is transferred electronically and passes through fewer hands than a check.
  5. Direct Deposit gives you access to your money earlier than check deposits.  There is no waiting for checks to clear.
  6. With Direct Deposit, you decide how to divide your pay among your accounts and it will be done automatically.
  7. Employers will issue a payment summary every deposit that will look much like your paycheck stub looks.  It will show your deductions for taxes, insurance, and other obligations, and will reflect the balance that was deposited into your account(s).

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