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Education Center

Education Center, Security, and Privacy

Identity Theft is the act of someone using another person’s identity information without their permission. Thieves use your name, social security number, or account numbers, to commit fraud or other types of crime on behalf of the victim.

A strong defense in cybersecurity is keeping your software up to date. Software manufacturers periodically offer updates to fix vulnerabilities or security weaknesses in their software. Check your software for updates often and install them when needed. For more information on safe online banking visit https://www.staysafeonline.org/
Never share your passwords with anyone. Don’t use the same password for multiple accounts. Always use multifactor authentication when available. Change your passwords often. Store your passwords securely
Identity thieves practice “phishing” scams in an effort for you to click on a link and download malicious content that could harm your device or compromise your identity. Scammers will use fake emails and websites to trick consumers into providing sensitive information, social security numbers, bank account information and other personal information. For more information for safe online security visit https://www.stopthinkconnect.org

 Merchants Bank Availability of Funds and Collection of Checks (Regulation CC) Notice

We are updating 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.