Text scam warning: The bank will never ask for personal information via text (SSN, PIN, etc). Please call your local branch with questions.

More Services: For Your ConvenienceA A

Frequently Asked Questions

There is no such thing as a dumb question, but there certainly are common ones! Below are some of the inquiries we receive most often which may help you quickly resolve a question you have too.

What are your hours of operation?

Please visit our Locations & Hours Finder.

Where are your ATMs located?

Mercantile provides you with access to numerous ATM locations in Illinois all free to use for any Mercantile Bank customer! To find one near you or your destination, please use our interactive ATM Locator.

What is your Bank Routing Number?

If you are trying to establish direct deposit or set-up an automatic withdrawal, along with your account number, you will also need to supply our Bank Routing or ABA Number: 081200531. This nine-digit number is also located on the bottom of each of your checks. It is the first series of numbers prior to your account and check numbers.

How do I sign up for direct deposit?

Typically the organization that is paying you will have direct deposit instructions. Ask for a direct deposit form. If your employer offers direct deposit, ask the Human Resources contact what steps are necessary. To arrange direct deposit into your Mercantile Bank account, you will need your Bank’s ABA Number or Routing Number (081200531). The next number you need for your direct deposit instructions is your account number. Your account number is most likely the account number you use every day. However, you may have a different number that you have to use for direct deposit. Some companies require that you submit a voided check or other document in order to set up direct deposit. This allows them to make sure that all information is entered correctly, and it can be a security measure. Finally, you may need an address of the receiving institution in order to set up direct deposit. This may not make sense because they're sending the money electronically but this is a typical requirement.

How do I set up an Automatic Savings Plan?

It is very easy to set up an automatic savings plan. If you currently have direct deposit through your employer you will find the easiest way to establish this is to have part of your paycheck directly deposited into your savings account as well. It doesn’t matter if it is $10 or $500, simply having this happen automatically will ensure money is saved every time you are paid.

If you don’t have direct deposit there is still an easy option available if you do your banking at a local branch. Typically your bank can link checking and saving accounts together and establish automated transfers between accounts at a regular interval that you select. So if you cash your paycheck every other Friday you could establish an automatic transfer of a set amount of money from checking to savings to coincide with this deposit.

What if I am locked out of Online Banking or have forgotten my Password?

If you are locked out, please call our dedicated E-Services Team, toll-free at 844-637-2411. We will ask for your Login ID as well as several other security questions to verify your identity. If you are locked out and know the correct password, we can reset it and your access will be restored.

If you have forgotten your password, first try to reset it by selecting the "Forgot Password" link on the login screen. Then enter your Login ID and click submit. You will then receive an email at your registered email address with instructions to complete the password reset process. If you do not receive the email or need additional assistance, please contact our E-services Team, toll-free at 844-637-2411 for assistance.

What do I do if I have forgotten my Financial Connection PIN?

Please call our dedicated E-Services Team, toll-free at 844-637-2411. We will first ask you a series of questions to verify your identity. We will then be able to reset your access with a temporary PIN. 

What do I do if I have forgotten my PIN for my ATM card?

Please visit the lobby of one of our banking centers. Bring your ATM or Debit Card, along with a valid photo ID to verify your identity. You will then be able to choose a new PIN that we will help you activate.

What do I do if I have lost my ATM or Debit Card?

Please contact our dedicated E-Services Team immediately, toll-free at 844-637-2411 Monday-Friday 7am-6pm and Saturday 8am-12pm. If it is outside these hours, please call 888-849-6046 to report your card lost and/or stolen.

What do I do if I have lost my checks?

Contact us immediately during business hours and let us know that your checks are lost. Inform the bank of any checks you have written that have not yet been cashed. You may also place a stop payment on each check that is unaccounted for.

How do I request a stop payment? Is there a charge?

You may request a stop payment be placed on a check or automatic withdrawal over the phone; however you will have to visit the bank within two weeks to fully execute the request. Once in place, a stop payment stays on your account for six months. There may be a fee charged for each item.

If the item in question has not cleared or been posted to your account, you may request that payment be refused. In the case of a debit card purchase that has already been authorized and/or posted, you cannot stop payment from occurring, but you can dispute the charge after the fact. Please contact us to initiate this process.

To stop an automatic withdrawal, please contact us at least two business days from your expected payment withdrawal date.