Merchants Bank
MERCHANTS BANK AVAILABILITY OF FUNDS AND COLLECTION OF CHECKS
(Regulation CC) Notice
We updated our Funds Availability Policy (effective July 1, 2025). These changes impact when deposited funds will be available for withdrawal - increasing the amount made available to you for certain items presented for deposit.
Key Changes to Funds Availability:
- The first $275 of a check deposited will generally be available no later than the first business day after the day of deposit.
- The threshold for large check deposits subject to extended holds has increased to $6,725.
These updates align with changes to Regulation CC.
If you have any questions, please contact us at 701-776-5811.
Why Choose Us
Merchants Bank is an FDIC insured bank committed to providing safe and sound banking practices. Merchants Bank offers the products and services of a large bank and offers the individual attention you expect from a community bank. We pride ourselves on top quality customer service and respect the confidentiality of our customers.
Helpful Resources & Services
LOST OR STOLEN
To report your debit card as lost or stolen after hours: (800) 554-8969
Education Center, Security, and Privacy
We value your safety and security. The best protection against identity theft, fraud, or scams is to increase our awareness of these threats and how to handle them.
Considering opening a new account?
Bank from anywhere
With the convenient mobile app from Merchants Bank, you can access your accounts wherever life takes you.
Personal Account Services
Merchants Bank is an independent community bank that is committed to providing the most secure and convenient personal account services for our customers. We strive to understand the needs of our customers by offering accessible personal banking options.
Mobile Deposit
Mobile deposit is a convenient way to deposit your checks without physically going to the bank. By using your camera on your mobile device, such as a smartphone or tablet, you’re able to upload your check through our bank’s mobile app.
Contact your local branch to activate this service.