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Business Banking


At Merchants Bank of California, N.A. our top priority is to provide you with a variety of banking products and services that make your life simpler. We offer several different accounts each designed to meet your needs. Merchants Bank of California, N.A. allows you to choose the most convenient way to bank. Our banking professionals are ready to customize your accounts to help you reach your financial goals. Let our experienced New Accounts Representatives show you our products, current rates, yields and terms, and help you invest your money safely.

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Basic Checking

Our Basic Business Checking Account is perfect for businesses that generate low to medium levels of activity each month. You receive our Signature Service and still have access to all our products and services without needing to maintain high balances in your account. A monthly service charge and per item fees will be assessed for balances of $5,000 or less.

Analyzed Checking

Merchants Bank of California, N.A. puts your idle cash to work for you. Your account balances earn credits that help pay for your banking activity. If your business demands the maintenance of a very active and high volume account that takes into consideration other bank services of a special nature, our Business Analysis Account is right for you. The monthly maintenance fee will be waived if balances exceed activity balance requirements.

Super NOW

For those who maintain higher balances and want to earn interest on their account, we offer our Super NOW Account which comes with no monthly service charge for daily balances of $2,000 or greater and includes unlimited check writing and no per check charges.


Your business should grow and so should your cash. Our Business Savings Account allows you to earn interest on your excess funds, while retaining quick and easy access. There is no monthly service charges for accounts with balances of $500 or greater.

Certificate of Deposit

Our interest-earning time deposit will earn you an attractive interest rate during the term. We offer many maturity terms. Funds can be deposited in one certificate for a specified term, or several certificates with varying terms.

Money Market

Our Business Money Market Account is the top choice for cost conscious business individuals. Our account offers competitive money market rates on higher balances plus the liquidity of a checking account. Limitations apply for preauthorized, POS, automatic or telephone transfers per month. There are no monthly service charges for balances of $2,500 or greater.