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Federal Deposit Insurance Corporation

Personal Checking

Looking for the best checking account to manage your money with ease and confidence? At Mercer Savings Bank, we offer personal checking account options designed to match your lifestyle—whether you’re looking for no monthly fees, interest-earning accounts, or a simple way to handle your everyday banking needs. With online and mobile banking, you can manage your money wherever you are—view balances, make transfers, pay bills, and even deposit checks. Plus, you’ll receive a FREE Mastercard® debit card, giving you the ability to make purchases or withdraw funds from ATMs with ease.

Use the table below to see which account is the best fit for you:

ezChecking

Student Checking

NOW Checking

Minimum Opening Deposit

$50

$50

$50

Monthly Service Charge

-

-

$7.50

when balance falls below minimum | waived for those under age 21 or 65+

Minimum Balance

-

-

$400

Earns Interest

-

-

Free Debit Card

Online/Mobile Banking

Paper Statement Fee

$5

$5

-

Ready to Open Your Checking Account?

Take the first step toward better banking today.

Special Offers

We’re proud to offer added benefits to make your banking experience even better. Students who open a Reality Checking account will receive 50 free checks and a free savings account to help start strong on their financial journey.

For our customers who are 60 or better, opening a NOW Checking account includes the perk of free checks, making everyday banking even more convenient.

Free Mastercard® Debit Card

Your Mercer Savings checking account comes with a free Mastercard® Debit Card—now tap-to-pay enabled for quick, secure checkouts. You can also add your card to your digital wallet for even more convenience and security when you’re on the go.

Direct Deposit

Get your paycheck or federal payments deposited safely and conveniently, ensuring your funds are always available and eliminating the worry of lost or stolen checks.

Overdraft Privilege

Customers in good standing automatically receive Overdraft Privilege, a valuable feature that can help prevent the inconvenience and expense of returned items due to insufficient funds. We may cover the transaction, and you only incur a fee if you actually overdraw your account. This protection is automatically provided – no sign-up required!

Almost out of checks? Let’s get those reordered.

Online & Mobile Banking

With GoBanking, you have access to your accounts 24/7 from your desktop, laptop, tablet, or mobile phone with free, secure, and easy online and mobile banking.

Features:

  • View account balances, transactions, statements, and check images
  • Online bill payment
  • Email alerts for account activity
  • NEW: External transfer allows you to securely move money between your Mercer Savings Bank accounts and accounts you own at other financial institutions

Mobile Banking:

  • Check balances, find ATMs, pay bills, transfer funds, and deposit checks
  • Manage your cards
  • Free and secure
GoBanking

Download Our App Today!

Frequently Asked Questions:

Online and Mobile Banking Services FAQs:

Why am I locked out?

Generally, it’s because either the username or the password was entered incorrectly. They are both case-sensitive.

How often will my password expire?

Your password will expire every six months. You will be notified the first time you log in after the password has expired.

If I open a new account, how do I add it to my online banking?

All of your personal accounts will automatically appear in your online banking. You don’t have to do anything to add them.

Why am I being asked to verify my login for GoBanking?

For your security and account protection, the first time you log into Go Banking from a new device, you will be prompted to verify your identity by receiving a one-time verification code via the email or phone number on file.

This extra layer of security helps protect your account from unauthorized access. Once you enter the code and choose to trust the device, you shouldn’t be asked to verify again when logging in from that same device in the future.

If you’re logging in from a trusted device but still being asked to verify, check your browser settings to ensure cookies are enabled or try updating your saved login preferences. If you need assistance, our team is happy to help! Contact us anytime for support.

I don't remember my password. What do I do?

You can click on the “Forgot Password” link and receive a temporary password by email. You can also call us, and we can give you a temporary password.

How can I transfer money from my Mercer Savings account to my account/loan at another bank?

With Go Banking, you can now use External Transfer to securely move money between your Mercer Savings Bank account and accounts you own at other financial institutions.

Select External Transfer from your menu, enter the routing number and account number and follow the prompts to complete the transfer.

Once your external account is set up, you can make transfers whenever you need—quickly and securely! If you have any questions, we’re here to help.

Why can't I log in to my mobile app?

In most cases, this is because your online banking is locked. We can unlock your online account, and if necessary, give you a temporary password that you can use to log in and change it. This must be done through your online banking. You can’t change your password within the mobile app.

Why aren't my payments sent electronically?

The method of payment (electronic, single check, or draft check) is determined by whether the payee is set up to receive electronic payments, your payment history, recent activity, and the amount of your payment.

Regarding the retention of your online/mobile banking information

If you wish to make a change to your login or accounts, please contact us. Username and password information may be deleted upon request. Information such as your usage history, account information, and banking activity will be retained in compliance with regulatory guidelines. We will only accept, see, and delete data requests by speaking to us directly at (877) 672-4543.