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Published by Murphy & Company, Inc.13610 Barrett Office Dr.St. Louis, MO 63021www.mcompany.com
© 2009-2015 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking.
DisclaimerConcepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/publisher, nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.
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We work hard to provide our customers with the financial tools they need to achieve the goals in life that matter. One of those important tools is Online Banking.
Our Online Banking system is designed for ease of use. Whether you access it from your desktop, tablet or smart phone, it looks and functions the same across all devices. It is full of powerful features that make it easy to keep track of your finances.
We invite you to take a moment to learn more about the anytime, anywhere convenience of Online Banking with Mercantile Bank of Michigan.
Welcome
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General InformationSecurity ................................................................................................4New Enrollment ................................................................................6First Time Users .................................................................................7Login Process .....................................................................................8Accounts ..............................................................................................9
MessagesMessages ...........................................................................................10
AccountsAccount Details ...............................................................................11Activity Center .................................................................................12Funds Transfer..................................................................................13
P2P by Paypal ™ ............................................................................15Deposit Only Transfer ....................................................................17Add an External Account .............................................................18Verify an External Account ..........................................................19Stop Payment ..................................................................................20Reorder Checks ...............................................................................21
Bill PayOverview ...........................................................................................22Navigation .........................................................................................23Create a Payee .................................................................................24Schedule Payments .......................................................................25Recurring Payments ......................................................................26Edit or Cancel Payments ..............................................................27Rush Delivery ...................................................................................28Categories .........................................................................................29*View Bill History ..............................................................................30
Statements/NoticeseStatements .....................................................................................31MercMoney .......................................................................................32
Table of Contents
External Funds Transfer................................................................14
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SettingsAlerts ...................................................................................................35Security Alerts..................................................................................36Text Enrollment ...............................................................................37Security Preferences ......................................................................38Fingerprint Login............................................................................39Account Preferences .....................................................................41Profile ..................................................................................................42Address Change ..............................................................................43
BranchesBranches and ATMs ........................................................................44
MobileDeposit a Check ................................................................................34
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By following our tips, Online Banking at Mercantile can be a safe and efficient method for handling your banking needs. For additional security tips, visit www.mercbank.com.
User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name or other personally identifiable choices.
Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and Mercantile, making it difficult for anyone to access your account information.
Secure Access Code You need a secure access code to access your accounts when you log into Online Banking with Mercantile for the first time or the first time from any new device. This code is delivered to you by phone call or SMS text message. You can opt to have your device registered so that you do not have to complete the Secure Access Code process the next time that you access Mercantile’s Online Banking system from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to request another secure access code.
Online Banking Safety Tips:
> Memorize your passwords and change them regularly.
> Exit your Mercantile Online Banking session when finished.
> Do not leave your computer unattended when logged in to Online Banking.
> Do not use public computers or unsecured WiFi when accessing.
> If you receive an error when logged in to your account, report the error to a customers service representative at 1-800-453-8700.
General Information Security
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Mercantile will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from Mercantile, please report the incident to a customers service representative as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness.
Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or Login IDs and passwords. Using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their financial institution.
Identity Theft It is important that you are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise, and commit other crimes using your identity.
Logging Off As a secure practice, you should log off your Online Banking session with Mercantile before you close out of your session, or anytime you walk away from your computer. For additional security, Mercantile will log you out automatically due to inactivity or when your Mercantile session reaches the maximum time limit.
Fraud Prevention Tips:
> Do not open email attachments or click on a link from unsolicited sources.
> Avoid completing email forms or messages that ask for personal or financial information.
> Do not trust an email asking you to use a link for verification of login or account details.
> Monitor your account transactions for unauthorized use.
> Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers, and expired charge cards before disposing of them.
> Contact the sender by phone if you are suspicious of an email attachment.
General Information Security
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General Information New Enrollment
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General Information New Enrollment
800.453.8700
Internet Banking Enrollment
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Go to mercbank.com.
Select Enroll in PersonalInternet Banking.
Enter your name and email address to begin the process.
Complete the additional information.
Answer the questions provided to verify your identity.
Read and agree to disclosures - then click Review Document.
Click Download and then Enroll.
Complete the enrollment form and submit.
You will then see a confirmation.
Within 2-4 days you will receive your login information.
800.453.8700
Internet Banking Enrollment
Enroll in Personal Internet Banking
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Select Enroll in Personal
Enter your name and email address to begin the process.
Complete the additional
Answer the questions provided
Read and agree to disclosures - then click Review Document.
Click Download and then Enroll.
Complete the enrollment form
You will then see a confirmation.
Within 2-4 days you will receive
Internet Banking Enrollment
Enroll in Personal Internet Banking 1
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Enter your name and email address to begin the process.
Complete the additional
Answer the questions provided
Read and agree to disclosures - then click Review Document.
Click Download and then Enroll.
Complete the enrollment form
You will then see a confirmation.
Within 2-4 days you will receive
Internet Banking Enrollment
Enroll in Personal Internet Banking 1
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Enter your name and email address to begin the process.
Complete the additional
Answer the questions provided
Read and agree to disclosures - then click Review Document.
Click Download and then Enroll.
Complete the enrollment form
You will then see a confirmation.
Within 2-4 days you will receive
Internet Banking Enrollment
Enroll in Personal Internet Banking 1
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Enter your name and email address to begin the process.
Complete the additional
Answer the questions provided
Read and agree to disclosures - then click Review Document.
Click Download and then Enroll.
Complete the enrollment form
You will then see a confirmation.
Internet Banking Enrollment
Enroll in Personal Internet Banking 1
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Enter your name and email address to begin the process.
Complete the additional
Answer the questions provided
Read and agree to disclosures - then click Review Document.
Click Download and then Enroll.
Complete the enrollment form
Internet Banking Enrollment
Enroll in Personal Internet Banking 1
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Select Enroll in Personal
Enter your name and email address to begin the process.
Complete the additional
Answer the questions provided
Read and agree to disclosures - then click Review Document.
Click Download and then Enroll.
Internet Banking Enrollment
Enroll in Personal Internet Banking 1
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Select Enroll in Personal
Enter your name and email address to begin the process.
Complete the additional
Answer the questions provided
Read and agree to disclosures - then click Review Document.
Internet Banking Enrollment
Enroll in Personal Internet Banking 1
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Select Enroll in Personal
Enter your name and email address to begin the process.
Complete the additional
Answer the questions provided
Internet Banking Enrollment
Enroll in Personal Internet Banking 1
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Select Enroll in Personal
Enter your name and email address to begin the process.
Complete the additional
Internet Banking Enrollment
Enroll in Personal Internet Banking 1
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3Enter your name and email address to begin the process.
Internet Banking Enrollment
Enroll in Personal Internet Banking
Go to mercbank.com. 1Select Enroll inPersonal Online Banking.
Enroll in Personal Online Banking 2Complete enrollment formprovided to verify youridentity. 3Select continue to receive aSecure Access Code.To update your Secure Access Code delivery options, call us at the phone number below.
4Keep these login credentialssecure for future access. 5
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1. Type www.mercbank.com into the address bar on your browser. In the Online Banking Login box on the Home Page and enter your current Login ID and click Login. If you have forgotten your Login ID, please contact us at 1-800-453-8700.
2. Do not enter your password when the next screen comes up. Instead, select “I am a First Time User”.
3. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone or text message option that will enable Mercantile to reach you immediately with your one-time Secure Access Code, then click Submit.
If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 1-800-453-8700 to update your contact information.
4. When you receive your six-digit Secure Access Code, enter it in the access code screen and click Submit. The one-time access code is only valid for 10 minutes. If it expires before you use it, you must request a new one. If you close the login screen and then receive the code, follow the above steps again and instead select “I already have a Secure Access Code”.
5. Once your access code has been accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future.
6. You will then be prompted to change your password. For your protection, you will need to create a password that meets the stated security criteria. When finished, click Submit.
7. A view-only online profile screen will appear for your review. It will be grayed-out and you cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed Online Banking, you will be able to use the Address Change screen to make corrections. Click Submit, then OK to continue.
8. You are now presented with a copy of the Online Banking Services Agreement. Read and acknowledge that you agree to the conditions by clicking I Accept.
9. Congratulations! You are now logged in to Online Banking with Mercantile.
General Information First Time Users
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Once you have enrolled and logged into online banking at least once successfully, follow these steps for subsequent logins.
1. From our website’s Online Banking login box, enter your Login ID.
2. Enter your password and click Login.
3. Forgot your password? Simply click “Forgot your password?” and select where you would like to receive your Secure Access Code, then follow the instructions to re-establish a password.
General Information Login Process
Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer, for example, at a public library.
Logging Off As a secure practice, you should log off your Online Banking session with Mercantile before you close out of Online Banking, or anytime you walk away from your computer. For additional security, Mercantile will log you out automatically due to inactivity or when your Online Banking session reaches the maximum time limit.
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1. For account transaction history, click the account name to view the Account Details screen. View transaction details by clicking the transaction.
2. You can scroll through the account summaries by clicking Next or Previous at the bottom of the summary box.
3. Click the edit button and you will be directed to Account Preferences where you can modify the nickname of accounts as well as the order in which they appear. The print button will print a quick summary of your current available funds in all accounts.
4. Need an action done in a hurry? In the top right corner, you will notice options for easy access tools. These Quick Action options allow you to swiftly transfer money.
The Home/Accounts Screen will give you an overview of all of your accounts at Mercantile displayed in a comprehensive list with available balances conveniently in one place.
To View an Overview of Your Accounts:
General Information Accounts
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Our message center allows you to communicate securely with Mercantile Bank. Check here for your alerts, replies to your inquiries and bank communications.
To View Messages:
Messages Messages
Click on the Messages tab.
1. Messages are listed on the left side of the screen. Click the message that you would like to read and the entire message will appear on the right.
2. Delete or reply to a message in the upper right corner of the message.
3. Create a new message by selecting New Conversation.
4. Messages automatically expire after a certain period of time has passed. A message can be saved indefinitely by clicking this box.
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To View Account Details:
From your Accounts Page, click on an account for more information.
1. For account transaction history, click the account name to view the Account Details screen. View transaction details by clicking that transaction.
2. If you click on the description of a specific transaction, to you will see more details like multiple checks in a single deposit. You can then click a single item of this deposit for more information like the image of a check or deposit slip.
3. You can choose to print only this transaction or click Ask about transaction to send a secure message to Mercantile.
4. If you choose to Show Filters, you will be able to sort out particular transactions to view, export or print.
5. Once you’ve made your selections, click Apply Filters.
6. Click Print to print your filtered transactions.
7. You can also Export your filtered selection when working from your computer.
Accounts Account Details
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To View Online Transactions:
The Activity Center shows transaction activity initiated through Online Banking with Mercantile. Depending on the type of account and access, you can review, approve and cancel unprocessed transactions. Whether single or recurring transactions, you can view debits/credits and verify the status, type, amount, account and date of your online activity.
Click on the Activity Center tab.
1. You can choose to view Single Transactions, Recurring Transactions, or Deposited Checks by clicking on the appropriate tab at the top.
2. Click on a transaction to view more details.
3. Click Show Filters for additional search options.
4. Click Apply Filters when you are satisfied with your filter criteria.
5. Select Actions to perform additional functions like to Copy a transaction or choose Inquire to compose a Secure Message to Mercantile.
Transactions Activity Center
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Online Banking enables you to transfer funds between your own Mercantile accounts quickly and easily.
To Transfer Funds:
Transactions Funds Transfer
Click on the Funds Transfer tab.
1. Select the accounts that you wish to transfer funds From and To using the drop-down menus.
2. Enter the dollar amount and date to process the transaction.
3. (optional) If you wish to setup a recurring transaction, click the checkbox Make this a recurring transaction. New input fields will appear and you will need to specify the frequency and date range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under frequency.
4. When you have finished entering all of the needed information, select Transfer Funds.
5. If successful, a screen with an overview of your transaction will appear. All funds transfers will appear in the Activity Center whether immediate or future dated. You can view them at this time or click Close and review at your convenience.
You can view or cancel unprocessed transactions by accessing the Recurring Transfer tab within the Activity Center.
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To Approve External Transfer:
Transactions External Funds Transfer
Go to the Activity Center within the Transactions tab.
1. Find the transfer and go to the Actions link on the right
2. Choose Approve.
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A con�rmation box will appear asking you to con�rm the approval. Click Confirm to proceed.
You must then choose how you would like to receive the Secure Access Code.
Once you have received the code, enter it and choose Authorize.
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How do I sign up?
How much does it cost?Merc Personal Payments is free.
All Mercantile Online Banking users will automatically have access to Merc® Personal Payments. No PayPal™ account is required for Mercantile users to send money.
Transactions P2P by Paypal ™
What is Merc Personal Payments?
Why would I use Merc Personal Payments?
What if you could easily and safely pay anyone, anytime, anywhere? Owe someone money and forgot your checkbook? Need cash and can’t find an ATM nearby? Don’t want to provide your personal banking information? No problem - if you have someone´s email address or cell phone number, you can now send them money quickly and securely with Merc Personal (P2P) Payments.
Merc P2P is the ability via Mercantile Online Banking to make payments anytime, anywhere via the convenience of your phone, tablet, or desktop. All you need is the recipient´s email address or cell phone number, no exchange of personal banking information is required. Once you send the payment, the recipient receives a text message and/or email confirming receipt of the funds. The service is powered by PayPal™, a payments network with over 78 million users worldwide. Mercantile Bank of Michigan was the first bank in the U.S. to offer this mobile payments platform using PayPal™.
Paying via Merc P2P is instant and easy for anything “on the go” or “spur of the moment” - no need to find an ATM, no hassling with checks. So the possibilities are unlimited. Some common needs might be:
• Split the tab at the restaurant/bar• Pay the babysitter, lawn service, house cleaner, etc.• Collect funds for causes - charitable donations, going in together on baby
shower gifts, etc.• Purchases at garage sales, craft shows, eBay, home parties (candles, kitchenware,
jewelry, etc.)• Pay the kids (at college, allowances, at the mall, etc.)
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Transactions P2P by Paypal ™
How does Merc Personal Payments work?
From your Home Page, click on P2P by PayPal™
1. Enter info and choose account.
2. Click Submit
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To Send Money to a Mercantile customer:
Transactions Deposit Only Transfer
With the Deposit Only Transfer feature, you can send money to any Mercantile customer. You can also conveniently link to this account for deposit purposes only.
Click on the Deposit Only Transfer tab.
1. Choose whether you will be making a Single Transferor whether you would like to Link Account for future use.
2. For a Single Transfer, use the drop-down to choose the account you wish to withdraw funds from. If you wish to include a description to go with your transfer, do so in the provided box.
3. Enter the information for the person you wish to receive the funds.
4. Click Submit.
5. If you would like to link this account for future use. Click Link Account at the first window; fill out the requested information and click Submit.
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In order to transfer funds to an account outside Mercantilenew external account. This will ensure the ability to transfer funds to the external account by integrating it into one, simple location.
To Add an External Account:
Services Add an External Account
Click on the Add External Account tab.
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Enter the Account Number spaces provided. These numbers can be located towards the bottom of a paper check.
From the drop-down menu, choose the Account Type
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Click Continue. You should then receive micro deposits in 2-3 business days deposited to the external account to show the process has been initialized. Once you see that you have received these deposits, go to the Verify External Accounttab to enter the amounts and activate your external account.
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Click on the Verify External Account tab.
1. To begin, click Submit. You will be directed to a new window.
2. Select the Account you would like to verify.
3. Enter the amounts of the micro deposits that you see in your external account.
4. Click Submit.
Once you have made a request to add an external account, check the history of that account and locate the two “micro” deposits that have been made. You will then be asked to provide those amounts which will verify the ability to make transfers and prove ownership of the outside account.
To Verify an External Account:
Services Verify an External Account
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Using Online Banking with Mercantile, you can initiate a Stop Check Payment request from any device. You can review the status of your request in the Activity Center. The stop payment, once confirmed, will remain in effect for six months. Contact Mercantile at 1-800-453-8700 for current fee information.
To Initiate a Stop Payment Request:
Services Stop Payment
Click on the Stop Payment tab.
1. Choose request type; single or multiple checks.
2. Click on each category header on the left to select an account, enter a check number, amount and choose the date of the check.
3. When entering the check number or amount, be sure to click Save.
4. When completed, click Send Request.
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With Online Banking, you can conveniently reorder checks online. If this is your first time ordering checks, please contact your local branch to place an order.
If you notice that you are missing checks, please contact us right away so that we can take precautions to safeguard against identity theft and fraud.
Click on the Check Reorder tab.
1. You will be redirected to our trusted vendor’s website to complete your order.
2. Select where you are reordering business or personal checks.
To Reorder Checks:
Services Reorder Checks
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What is more reassuring than being in control of your finances? Staying in control of your bills!
Bill Pay with Mercantile allows you to stay on top of your monthly finances with the utmost ease and turn-key efficiency. Free yourself from the hassle of writing checks and the clutter that comes with traditional ways of paying bills. This is a quick and easy alternative to paying your bills online at the sites of each individual company.
The first time that you click the Bill Payment tab, you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions.
Click on the Bill Payment tab, then click the Advanced drop-down to access Visit Online Bill Pay site to begin managing your bills online. Here you will be able to view your payees, pending payments and bill history among other information regarding your online account with Mercantile.
Bill Pay Overview
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Bill Pay Navigation
Click on the Bill Payment tab.Click the Advanced drop-down to access Visit Bill Pay site.
1. Click the Payments tab.
2. Pending transactions can be viewed in the right side panel under Pending.
3. A Histroy of transactions can be viewed in the right side panel under History
4. Click view more for more details or by clicking view next to a specific transaction.
5. You can also click view next to a transaction to view details of a specific transaction.
6. You can filter your future payments by Category if you wish.
7. Payees can be easily searched in the Search bar.
8. Secure messages can be sent or viewed by clicking Messages.
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Bill Pay Create a Payee
The person or company to whom you are sending funds is known as the payee. A payee can be almost any company or person you would send a check, like a department store, a cable TV provider or even a lawn care service. It may be convenient to set up a payee to receive payments on a regular basis.
Click on the Bill Payment tab.Click the Advanced drop-down to access Visit Bill Pay site.
1. Click on the Payments tab.
2. Then click the Add a Payee button. In the drop-down list, click the type of Payee that you would like to create.
3. A new window will pop up. Select whether the payee is a company, individual or a bank or credit union, then click Next.
4. Fill out the required information regarding the payee, then click Next.
5. Enter the mailing information for your payee and click Next. Your payee has now been created and added to your payee list.
Bill Pay Schedule Payments
Once you set up your payees, it’s easy to pay your bills quickly. When you click on the Payments tab you will see all of the payees you have established so far. To pay a bill, simply find your payee and fill out the payment information beside the name.
Click on the Bill Payment tab.Click the Advanced drop-down to access Visit Bill Pay site.
1. Click on the Payments tab.
2. You will see a list of payees and the most recent payment made to them as well as future due dates. Use the Pay from drop-down to choose the account from which you would like to pay each bill.
3. In the Amount column, enter amount of payments that you wish to make.
4. Enter the desired Payment date in the next column; be sure to use the convenient calendar feature.
5. You can choose to designate a faster than normal processing by clicking Rush Delivery in the Actions column. Fees may apply.
6. After you have carefully reviewed the payments, click Submit payments.
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Click on the Bill Payment tab.Click the Advanced drop-down to access Visit Bill Pay site.
1. Click on the Payments tab.
2. Find the payee you wish to set up recurring payments for; click the Make it Recurring link.
3. A new window will pop up. Choose the Pay From account, along with theAmount, Frequency, Payment date and other payment preferences.
4. Click Submit after you confirm the details.
Our recurring payments feature keeps you ahead of your payments that need to be repeated. Setting up a recurring payment takes only a few moments, and saves you time from not entering a payment each time a bill is due.
To Create Recurring Payments:
Bill Pay Recurring Payments
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Click on the Bill Payment tab.Click the Advanced drop-down to access Visit Bill Pay site.
1. Click on the Payments tab.
2. To edit or cancel a payment, click on the payee.
3. A new window will appear revealing the recent activity for the payee. Click the Edit link towards the bottom of the window.
4. Here you can change the setting of your payment, such as the account you are paying from, the amount or payment date. Once you are done editing the payment, click Submit.
5. If you wish to delete the payment, click the box next to I would like to stop this payment.
Even after you have set up a payment, you have the ability to edit or cancel your payment up to the time it begins processing. This convenient feature gives you the freedom to change the way you make your payments.
To Edit or Cancel a Payment:
Bill Pay Edit or Cancel Payments
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Bill Pay Rush Delivery
Rush Delivery of your Bill Payments is available.
To Rush Delivery for a Bill Payment:
Click on the Bill Payment tab.Click the Advanced drop-down to access Visit Bill Pay site.
1. To rush the delivery of a payment, simply click on the link that says Rush Delivery.
2. You will choose the amount to pay and use the dropdown to choose the account to pay from.
3. You will see options for delivery dates with appropriate charges. Select a date.
4. Click Next.
5. A payment summary with a Fee Debit Authorization will appear. Click Accept and Submit.
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Assign and organize your payees into specific groups called Categories to ensure increased convenience when paying your bills.
To Create Categories:
Advanced Bill Pay Categories
Click on the Bill Payment tab.Click the Advanced drop-down to access Visit Bill Pay site.
1. Click on the My Account tab.
2. Click the Add Category link.
3. A new window will pop up asking you to name your category. When finished, click Submit.
4. You will see on the right hand side of the screen that your category has been successfully added.
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View and print bill history and details by entering the appropriate search criteria.
Advanced Bill Pay View Bill History
Click on the Bill Payment tab.Click the Advanced drop-down to access Visit Bill Pay site.
1. Click the Payments tab.
2. Click View More located next to the History panel.
3. Narrow down your search using the provided drop-down menus and options;click Search to see your results.
4. To print the search results for your records, click Print.
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Statements/Notices eStatements
1Login to your account at www.mercbank.com.
Choose Statements and Notices.
3Read the disclosure and enter the Validation Code provided.
4Select the Preferences tab.
5Once you have selected your preference for each account, click ‘Update Preferences’.
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Sign up for eStatements in a few simple steps!
800.453.8700
Accounts
OverviewHistory
Online Activity
Statements and Notices
EZ Card-Credit Card
Statements Notices Documents Preferences
1Login to your account at www.mercbank.com.
Choose Statements and Notices.
3Read the disclosure and enter the Validation Code provided.
4Select the Preferences tab.
5Once you have selected your preference for each account, click ‘Update Preferences.’
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Sign up for eStatements in a few simple steps!
800.453.8700
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Additional Features MercMoney
Our MercMoney tool allows you to manage your money from your Online Banking account. View your investments, loans, credit cards, account balances and transactions in one place. Easily create budgets, categorize and track spending habits, as well as tag your transactions to see where and how you spend your money.
Main Page: You’ll find an overview of your financial standing on the accounts page, as well as a host of tools you can use to manage your money.
Transactions: MercMoney automatically imports and categories transactions from all of your accounts, including those that you added from other financial institutions.
Spending: Presents a comprehensive spending wheel displaying a breakdown of your spending across categories. If you hover over each section, you will see how much you spend in each category.
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Budgets: Track your spending. Add targets to help you better control expenses. When you establish spending targets, you can also schedule notifications via a delivery method of your choice when you’re near your budget limit.
Debts: This powerful tool allows you to see all of your debts in one place and proactively determine an expedited payoff plan.
Net Worth: Sum up your assets and debts. View pie charts to see how these assests and debts are allocated.
Additional Features MercMoney
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With our Mobile App on your Android or iOS device, you can deposit checks into your Mercantile Online Banking account by simply snapping a photo of a paper check.
1. Choose the account to where you wish to make a deposit.
2. Enter check number and amount, then click Save.
3. Click the Capture Image button for each side.
4. Verify that all four corners of the check are visible and all elements are legible.
5. Ensure the endorsement contains "For MBM Mobile Deposit Only".
6. Take the image of the backside so that the endorsement is on the left side of the image.
7. Hit Submit.
This feature is only available when using
our mobile app on your mobile device.
To Deposit a Check via Your Smartphone:
Mobile Deposit a Check
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You can create and manage alerts to remind you of important dates, warn you about the status of your accounts, and when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the delivery option to receive that alert. All alerts will automatically be sent to your Online Banking account via Secure Messages, regardless of the additional delivery preferences you have chosen.
To Edit Alert Delivery Preferences:
You can create specific Date, Account, History, Insufficient Funds, Transaction, and Security Alerts and edit their delivery methods.
Delivery methods include:• Secure Message within Online Banking• Email• Phone Call• SMS Text Message
Click on the Settings tab.
1. To create a new alert, click the New Alert drop-down button. Choose the kind of alert that you wish to create from the drop-down. A new screen will appear where you can enter the necessary information. Be sure to click Save when finished.
2. To view the alerts for each category, click the the category header.
3. You can easily toggle an alert On/Off without deleting the alert by toggling the Enabled button.
4. To view or change details of an already-existing alert, choose the Edit link on the right end of the alert you would like to edit. Be sure to click Save after you change any alert details.
To Set Up new Alerts:
Settings Alerts
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Settings Security Alerts
Security Alerts allow you to enable specific alerts to keep you informed of changes to your account and Online Banking profile. Alerts can be delivered via Secure Message within Online Banking, email, SMS text message, or phone call.
To Edit Security Alerts and their Delivery Preferences:
Click on the Settings tab, click on Security Alerts.
1. To activate or deativate an alert, click the On/Off button that corresponds with the appropriate alert.
2. To edit delivery preferences, click the Edit Delivery Preferences link at the top. These changes will apply to all Security Alerts.
3. Enter the information for your preferred delivery method.
4. Click Save when finished.
5. If an alert is grayed out, you are not able to edit or disable this alert.
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Once enrolled in Text Banking, you can check balances, review account history and transfer funds from your Online Banking account using any text enabled device.
Settings Text Enrollment
To enroll, click the Text Enrollment tab.
1. Toggle the Text Enrollment button from OFF to ON.
2. Enter your phone/SMS text number.
3. Read the terms and conditions and check the Agree to Terms box.
4. Click Save to complete enrollment.
Text Command Options To # For The Following Information:
BAL or BAL <account nickname> Request account balance
HIST <account nickname> Request account history
XFER <from account nickname><to account nickname> <amount>
Transfer funds between accounts
LIST Receive a list of keywords
HELP Receive a list of contact points for information on text banking
STOP Stop all text messages to the mobile device (for text banking and SMS alerts/notifications)
START Enable message send/receive for text banking
To Enroll in Text Banking:
To enable your account to be viewed in Text Banking, visit Account Preferences and click enable.
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In Security Preferences, you can change the different designations that help keep your account secure.
PasswordWhen changing your
password, be sure that you follow the guidelines for
creating a strong password.
Login IDBe sure to create a login
that you will remember, but that is not too recognizable.
Settings Security Preferences
To Set Up or Change Your Security Preferences:
Click on the Security Preferences tab, choose a preference to edit.
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On your device, click on Security Preferences.
1. Slide Touch ID or Fingerprint Login to the On position.
2. Read the details about the feature and click Continue.
3. Enter your Login ID and Password and click Continue.
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Settings Fingerprint Login
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4. Enable Touch Authentication on your iOS device.
5. Authenticate your login in the Mercantile app.
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“bank”
Settings Fingerprint Login
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In Account Preferences you can select name and viewing preferences for your Online Banking and Text Banking accounts.
Settings Account Preferences
To Set Up or Change Your Account Viewing Preferences:
Click on the Account Preferences tab.
1. For Online, you can customize your account display names and choose the order preference for viewing by entering a number in the box to the right side.
2. Toggle to the Text button for Text Banking account preferences. To enroll in Text Banking, select Text Enrollment from the Settings menu option. To view an account in Text Banking , check Enabled. Customize a four character account nickname to display and choose the order preference for viewing.
3. When you are happy with your choices, click Submit.
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It is important to maintain current contact information on your account. Updating your Online Banking profile does not update your customer contact information at Mercantile. Please call us at at 1-800-453-8700 to change your name, address, email or phone numbers.
To View and Update Your Profile:
Click on the Profile Tab.
1. Input new information into the spaces provided that you would like to be changed like name, address, email, and phone.
2. Click Submit Profile to save.
Settings Profile
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It is important to maintain current contact information on your Mercantile account.
To Change Your Address:
Click on the Address Change tab.
1. Choose which account this change will apply to.
2. Update your contact information.
3. Click Submit when finished.
Settings Address Change
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Looking for the branch location or ATM nearest to you? You can click on the appropriate button to locate Mercantile’s branches and ATMs. Use the zoom tool on the left to see a wider span of locations or zoom in close to see more detailed information about specific locations.
Branches Branches and ATMs
