Change to Online Banking Login Screen on Merchants Bank Website

Click here to login to your Merchants Bank Online Banking Account.

Previous Login Box (Before 1/12/2016)

Online Banking Login Box Before 1/12/2016

New Login Box (After 1/12/2016)

Login Box AFTER 1/12/2016

What’s changing? After clicking on the Online Banking Login button featured on the home page of our website, you will be redirected to a Secure Online Banking login screen where you will enter both your Login ID and Password on the same screen, rather than having to enter them on separate screens. For your protection, if we do not recognize your Login ID, Password, or the device you are logging in from, you will continue to be presented with your personal challenge questions to verify your identity, just as you always have been. Your security is always our top priority.

This is a temporary change. We are in the process of redesigning our website and will be launching our new website in the first quarter of 2016. For your convenience, as part of our new site design you will be able to enter your Login ID and Password directly from the home page of our new website.

If you use Internet Explorer and the login box appears to be cut off, you can solve the problem by clearing your cache. Follow these instructions how to clear your cache in Internet Explorer.

We thank you for your patience as we make this temporary, but necessary change. Your information security is always our top priority. If you have any questions, please contact Merchants Bank Electronic Banking Customer Support at 866-496-0522.

One Time Security Code and Trusteer Rapport, Extra Layers of Security for Your Business

Blog-Trusteer

The security of your online business transactions is vitally important to us, and we’re always researching ways to provide extra security for your business transactions. With that in mind, we are excited to offer our business customers One Time Security Code and Trusteer Rapport, two free services designed to increase your transaction security.

One Time Security Code

One Time Security Code is a required extra level of security for high-risk transactions, such as the submission of ACH files, while using Merchants Business Online Banking. One Time Security Code does not replace any current security programs offered through Merchants, but is an additional service.

How does One Time Security Code work? If a business is performing ACH transactions online, One Time Security Code sends a code via email, phone call or text message that the business customer enters into the appropriate area in Merchants Online Banking for further verification. Once the code is entered, the transaction can be completed.

“One Time Security Code is a great tool to protect your business and is likely familiar to you through your past online experiences,” said Kerri Bronk, Merchants Bank’s Senior Operations/E-Channel Officer. “It is similar to what other websites use when you forget your password and need to verify your identity using a PIN or code sent to your email or phone.”

Who Should Use One Time Security Code? All Merchants Bank business customers who conduct ACH transactions through our Online Banking must use One Time Security Code. If you haven’t yet been contacted by the Merchants Bank Electronic Banking department (866-496-0522) or Cash Management Officers Tammy Johnson (507-457-1190) or Machelle Anderson (507-263-7572), they will be in contact in the near future, or you can feel free to contact them.

Trusteer Rapport

Trusteer Rapport better controls and reduces risk when using a computer for business by providing extra security for financial malware beyond malware identification and protection that a business should already be using. Trusteer Rapport does not replace normal computer security. While it is not required of Merchants Bank business customers, it is highly recommended. It takes just a few minutes to download.

Trusteer Rapport has multiple tools to:

  • Flag and notify customers of potential security risks. For example, if the same password is being used for multiple sites.
  • Flag or automatically clean malware off of a computer system.
  • Choose which sites are protected with Trusteer Rapport during financial transactions. If a site is protected, Trusteer Rapport will lock down the computer and not allow other programs or functions to happen until the transaction you are performing is complete. This protects the computer/customer from potential hackers searching for financial information, like what can happen in online shopping.
  • View statistics on online behavior and malware detection.

Who should use Trusteer Rapport? “Even if you can’t see someone committing a crime, it doesn’t mean they aren’t in the background online trying to figure out your online patterns and information,” Bronk said. “We encourage all businesses, especially those using Online Banking, to take advantage of the additional level of protection provided by TrusteerRapport.”

How Do I Start?

If you’d like to learn more about Trusteer Rapport, or have other questions about One Time Security Code, the best place to start is Merchants Bank’s Electronic Banking department at 866-496-0522, or by visiting our the Online Banking/ATMs area on our website.

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Business Online Banking Tutorial

Merchants Bank Business Online Banking

Merchants Online Business Banking allows you free and easy access to your business’s bank account information and cash management tools 24/7. Use Business Online Banking to manage your corporate cash and make it work harder for you. What can you do in Business Online Banking and how does it work? Here’s an overview:

Users – You control who in your company has access to your online accounts. Changes to secondary user access (including adding or removing users) can be any time you desire under the Administration area of the Business Applications section. In addition, you can define account access and transaction limits per user.

Accounts – See an overview of your account balances immediately upon logging in. In addition, in the Accounts section of Online Banking you can:

  • View account history
  • View and/or print check images
  • Export transaction history
  • Search for specific transactions

Business Applications – Provides access to the following Cash Management and Administration functions:

  • Online bill pay
  • ACH payments and receipts*
  • Wire transfers*
  • Collect funds*
  • Authorize transactions
  • Payroll*
  • Funds transfers

Other Services – Provides access to additional services, giving you the ability to:

  • Change your business address.
  • Print a direct deposit enrollment form.
  • Submit a stop payment.*
  • Create an alert to notify the administrator for the company’s Online Banking account for number situations. Example include, when:
    • A business user’s passwords or profiles are updated
    • An account goes above or below a certain balance
    • A transaction over a certain amount goes through an account

Preferences – Make changes to your password, account nicknames, order of accounts and more.

Interested in learning more? Try our demo for Merchants Bank Business Online Banking. To enroll in Business Online Banking, visit our website or call our Electronic Banking department at (866) 496-0522.

*Fees may apply.

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Pay Your Bills Online and Enter for a Chance to Win $1,000

Pay your bills online for a chance to win $1,000

During July, make an online bill payment and be entered to win $1,000. To get started, sign up or login to your Online Banking account to pay your bills today. Through Merchants Online Banking Bill Pay you can:

  • Set up individual and business payees easily and quickly.
  • Simply and securely track and manage your finances all in one place through your Online Banking account.
  • View and schedule your online bill payments in advance or on a recurring schedule for added convenience.
  • Set up payment reminders to help keep track of when your payments are due.

Make an online bill payment to enter to win. Every bill payment qualifies as an entry to win. The more bills you pay online, the more chances you have to win.

Get started:

No purchase necessary. Void where prohibited. For complete rules and additional important information visit http://touchpoint-marketing.net/2015-sweeps-terms-and-conditions/.

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Meet Nikki Kemp, Fraud Specialist at Merchants Bank

Meet Nikki Kemp, Fraud Specialist at Merchants, pictured with her husband Ben at the top of Pike's Peak.

Meet Nikki Kemp, Fraud Specialist at Merchants, pictured with her husband Ben at the top of Pike’s Peak.

When did you start your banking career?

Nikki: I started at a much smaller bank in 2011 as a Customer Service Representative. When I first came to Merchants, I worked in the Electronic Banking department and since that time have become our Fraud Specialist.

What is your top fraud prevention tip?

Nikki: It’s difficult to pick one because there are so many tips to preventing fraud. I would say my first tip is to be conscious of where you are using your debit card – physical stores and online. Do you know and trust the company you are purchasing from? It’s important to stick with places you know. If a company or person calls asking you for your card information, be extremely cautious. Keep in mind that the Bank will never ask for your personal information unless you have previously initiated a conversation with us about your accounts or a loan application.

I would also recommend reviewing your bank statements or Online Banking records regularly. Set aside time to review purchases and if you notice something suspicious, call the Bank and talk to your Customer Service Representative or Electronic Banking immediately. If your account goes unchecked, fraud can go undetected for months or even years.

What’s one thing your mom or dad taught you about money?

Nikki: They taught me to be cautious with credit cards. It’s easy to get in over your head if you’re not careful. My husband and I regularly review upcoming expenses and discuss when we should pay with our credit cards versus our debit card. Once our plan is set, we stick to it.

If you could ring the bell at the New York Stock Exchange with anyone, who would it be and why?

Nikki: My husband. He has always wanted to go to New York City and I think he would like to enjoy the experience.

Besides money, what’s your favorite green thing?

Nikki: My garden – It’s my hobby outside of work. My family always had a garden when I was growing up and now I have one that’s 14×14 feet in my backyard (I know, because I had to dig out the sod myself!). We grow most of your standard vegetables, like tomatoes, onions and peppers. I also have pots for plants that spread, like strawberries.

For more information on our electronic banking options, visit our website.

Pay Your Bills Online and Enter for a Chance to Win $1,000

eNews-BillPay

During February and March, make three online bill payments and be entered to win $1,000. To get started, sign up or login to your Online Banking account to pay your bills today. Through Merchants Online Banking Bill Pay you can:

  • Set up individual and business payees easily and quickly.
  • Simply and securely track and manage your finances all in one place through your Online Banking account.
  • View and schedule your online bill payments in advance or on a recurring schedule for added convenience.
  • Set up payment reminders to help keep track of when your payments are due.

Make three bill payments to enter to win. Then, every bill payment after three qualifies as an entry to win. The more bills you pay online, the more chances you have to win.

Get started:

No purchase necessary. Void where prohibited. Click here for complete rules and additional important information.

Important Changes to Your Online Banking Account

eNews-OnlineBanking

Merchants will be upgrading our Online Banking service on March 1, 2015 and we want you to be aware of a few key of changes and enhancements:

  • Your Online Banking home page will have increased functionality, such as making transfers between accounts or viewing recent transaction history.
  • You will have the ability for more customization through alerts and preference settings.
  • The location of the Logout button will move from the green menu to a smaller menu on the right side of the page. Please take note of this to ensure you securely sign out of your Online Banking account in the future.

More specifics regarding the Online Banking upgrade can be found on our website.

If you have questions regarding Online Banking, please contact our Electronic Banking department at 800-944-6285. Click here to enroll in Online Banking now.